Everyone at Keener Financial is focused on doing what is in the best interest of the client. I am 100% happy with the recommendations and results of my investment plan.									

										My wife and I have been clients of Jean Keener and her team for over fifteen years and have benefitted from that trusted relationship in so many ways. We feel fortunate to have found a Fiduciary like Jean whose dedicated focus on our financial well-being has played a significant role in our efforts towards achieving our goals. The detailed financial plan Jean tailored to our specific needs gives us peace of mind and confidence knowing we are staying on top of the big picture but also managing the impact of the interactions of our financial decisions year in year out. We highly value our relationship with Jean and her team that has helped educate and empower us to achieve the things in life that are important to us									

										I am a retired CPA and I have been looking for a firm like Keener for many years to help me with my investments as well as helping to navigate my retirement. My first requirement was that that my advisor must have achieved the CFP designation. Keener understands the value of having financial planners with a CFP designation and encourages it in their firm. The second requirement, I had, was to work with a firm that does not earn their fees as a percentage of your assets. Many advisory firms charge a percentage of your portfolio (every year) which can be significant. Providing financial advice is a professional service similar to an attorney that provides legal advice or an accountant who provides accounting services. Both attorneys and accountants charge their clients by the hour or project. Financial advisors should do the same. I know upfront what my advisor is going to do for me and how much it is going to cost!									

										We've been with Keener Financial since 2022 and have been very happy with our decision to use the firm for our financial planning and investment management services. They have provided excellent advice along with great portfolio management.									

										We are grateful for the relationship with have had with the Keener Financial Team over the past twelve years! During this time, we have had with pleasure and opportunity to work closely with Jean, Rachel, Samuel, Kelli and Catherine. They are the BEST! From our very first meeting with Jean, we were impressed with her focus on what was best for us, the client, and our long term financial success. That is a tenet of every Keener Team member. We highly value the integrity, knowledge and professionalism of the Keener Team and look forward to being a client for many more years.									

										We worked with Samuel at Keener. He was very organized, thorough, and provided excellent financial guidance tailored to our needs. Highly recommend!									

										I highly recommend Keener Financial Planning to family and friends. Keener Financial has helped advise me with my Financial goals for the last 12 years. I researched and researched for an Advisor around the DFW area and wanted a Fee Only Financial Advisor . I was looking for a Company that had Great Reviews and I was lucky enough find Keener Planning and scheduled a Consultation with Jean . From the the moment I met Jean I knew I had chosen the right place and person to help me with my Financial Goals! I was met with Professionalism , knowledge and explanation of how the company works to help Clients reach they're goals and dreams, The Client is the companies number one priority. I am so happy and appreciate Jean Keener Financial Planning for helping me and my partner reach our Financial Goals and is still there for us every year to meet with any changes to our portfolio and with any questions or concerns we may have. We Highly Recommend Keener Financial Planning to whomever is looking Genuine Financial Advisors that really care about your Financial needs .									

										We first met the team at Keener Financial Services when we were on the precipice of retirement—overwhelmed by the transition from the accumulation phase to the drawdown/spending phase. We spoke with several other planners, but Keener’s upfront process stood out as the most thoughtful, complete, transparent, and understandable. We were able to see the planning we would receive prior to making key decisions, and we left with a concise yet comprehensive written retirement financial plan that clearly shows our status and options. That plan feels fundamentally sound, and it has given us peace of mind as we enter this next phase of life. Keener is a fee-only planner, and they’re able to refine their scope and offerings to fit your needs as they evolve. We also appreciate that we work with the same team members—along with a roster that’s stable—and that they’re highly responsive whenever we have questions, ideas, or concerns. Throughout the process, everyone we worked with came across as true professionals, fully credentialed and certified.									

										Keener Financial Planning provides exceptional service and advice. We have used them for almost 20 years and they have guided us through various ups and downs in the economy. Jean Keener has been our advisor from the beginning. We trust her with our portfolio. We follow her advice and recommendations. Keener is a fee only financial planning company. They do not sell you investment products and make money from that. They also follow-up periodically through the year to see how things are going and to check for updates to their action items recommended for that year. We trust Keener Financial Planning and would recommend their services to anyone looking for a trustworthy financial planner.									

										Keener Financial Planning stands out because they don’t just hand you a generic roadmap — they build a plan that feels like it was designed for you, not for “someone like you.” Their team takes the time to understand your financial personality, whether you’re cautious, growth‑driven, detail‑oriented, or someone who prefers a simple, streamlined approach. What impressed me most is how consistently they keep your best interests at the center of every recommendation. Nothing feels cookie‑cutter. They ask smart questions, explain options clearly, and make sure you understand the “why” behind each step. You walk away with a plan that reflects your goals, your comfort level, and your long‑term vision. If you want a financial advisor who listens deeply, customizes thoughtfully, and genuinely prioritizes your financial well‑being, Keener Financial Planning is an exceptional choice.									

										Keener Financial -- from Jean to the entire team -- are top notch. They are a firm you can trust with your life savings.									

										I have been using Keener Financial Planning for over ten years, and I have been very satisfied with them as they are honest, intelligent, caring and provide me with a deep feeling of financial security for the coming years of retirement. I was with a horrible planner before I switched to Keener. This idiot had moved all of my holdings into commodities for some stupid reason. Keener assisted me with this disaster. (It took some time to get me out of that mess, but I can say I have fully recovered from that debacle.) They are highly principled and assist me with my taxes and required distributions in addition to managing and balancing my portfolio. They are not connected with an investment firm, so you can be assured they are working only for YOU. Jean and her staff are wonderful; I will continue to trust them with my assets. They are worth every penny. You can't go wrong with Keener.									

										Rachel Songer was thorough, smart, and fun to deal with. I will be asking for her at my next meeting.									

										Keener Financial has provided insightful recommendations to me for a decade based upon data that she shares. She does her homework and shows you how she has arrived at her recommendations. She takes the time to understand your goals and works hard to help you to achieve them.									

										Given my preference to keep control of our portfolio, I need a quality Certified Financial Planner that charged a set fee to give us a periodic checkup. I did not want an Assets Under Management (AUM) arragement. Keener Financial Planning is one of the few QUALITY advisors that still offer this arrangement (they do AUM too, if that is your preference). Jean Keener and her team provide more than just an asset allocation review they provide a comprehensive review of all aspects of financial health. For example, she helped me with my insurance and steered me towards greater efficiencies to accomplish my philanthropic interests. Also, I like Keener Financial Planning because they are more than a one-person operation giving the client a little more peace of mind concerning continuity. Finally, their rates are very reasonable, considering the quality of services and knowledge that they bring to their clients. I look forward to a ongoing relationship with Keener Financial Planning.									

										Excellent service, Kenner Financial Planning has our unqualified recommendation. The office staff is organized, responsive, friendly. Our planner, Rachel Songer is outstanding. She listens and understands our financial goals. She is a highly effective communicator of money management to those who do not have a finance background. Rachel has meticulously guided our transition from work to retirement and has made excellent recommendation for our portfolio and annual adjustments. We could not be happier, we have referred her to four colleagues in various stages of their life who are equally pleased with the financial planning services they have received.									

										I am retired and I have been working with Keener Financial Planning for at least three years. Jeane has developed three financial plans for me. The plans show my current financial situation and her analysis of how all my assets inter act with each other; finally, she develops a list of recommendations on how to proceed in order to maximize my gains and cover my financial obligations. She is well versed in the Federal Government TSP (Thrift Savings Plan) account and its rules and regulations. Keener Financial Planning provides objective fee-only financial planning . She was highly recommended to me by a co-worker.									

										Jean Keener and her team at Keener Financial Planning have been trusted partners for many years. They have helped us create a thoughtful plan for retirement, navigate career transitions and economic uncertainty, and make confident financial decisions along the way. Their expertise, care, and steady guidance have helped us build greater financial security and a life we truly love. We recommend them highly.									

										My wife & I have been w/Keener almost 2yrs & have been very pleased w/not only our return on investments but also the follow-up from our agent, Trista Jacobs & Jean Keener. We have been given very detailed reports when we've met and had all questions answered to our satisfaction. When I have questioned a particular investment, we've been given very helpful feedback to make sure I understand Keener's approach.									

										My wife and I have been with Keener Financial for 15 years. In that time Kenner has provided us with excellent financial services and advice along with a number of ancillary services to prepare us for retirement like referrals to an estate planning attorney, a CPA accountant and Medicare planning services. Two years ago, my wife and I launched into the next phase of our lives - retirement. Keener had us fully prepared and currently helps us manage our retirement income, travel budget and tax planning on an annual basis. I have complete confidence in Keener and as important I trust Jean and her team entirely. The Keener group has guided us to a secure retirement working with us to achieve our financial goals to allow us to enjoy retirement as we had hoped.									

										We've worked with Samuel Pond for over 2 years now, and we've been very happy with his efforts on our behalf. Samuel is accommodating, realistic, very conversational, and always willing to hear us out and provide thoughtful answers and information. We feel we're in good hands, and we trust his opinions and recommendations.									

										We have used Keener Financial Planning for many years and highly recommend them. I like that they are Fee Only advisors--which is different from Fee Based or Asset Based. I paid them to develop a long term financial plan for us in advance of retirement. We update the plan annually if necessary. They referred us to other professionals when we have needed them for various things, and they do not accept commissions or referral fees--which makes them more unbiased in finding resources for us. Jean Kenner and her team of professionals are knowledgeable, up to date, focused and consistent. In addition, they are nice people who seem to care about their clients. Though they are money experts, they are also flexible, listening to you and customizing advice to your specific situation.									

										I have been with Keener Financial Planning for over 10 years and I have very happy with the level of service, professional attention and personal service they have provided. I meet with the team annually and I reach out to them whenever I need to ask questions. They are very responsive and friendly.									

										I have the best financial advisor ever. Jean Keener and her associates at Keener Financial are incredibly, knowledgeable, trustworthy, and compassionate. I am grateful for their support since losing my husband in 2013. Working with Rachel Songer has been a successful and comforting experience. She consistently demonstrates a high level of professionalism, expertise, and genuine care for my financial well-being. My portfolio has grown unbelievably! Instead of offering one-size-fits-all advice, she takes the time to understand my personal goals, and answer questions patiently. I have a 13 year relationship with Keener based on trust and integrity. Their guidance has given me greater peace of mind, in fact they know my goals better than I do. I wholeheartedly recommend Jean and her team to anyone looking for a financial advisor who is not only highly skilled but also genuinely caring and dedicated to their clients' success.									

										Our financial advisor was wonderful. She took the time to review in depth our situation and came up with a well-defined plan. There was appropriate follow up with questions answered in a timely fashion.									

										I was a life long Do It Yourself investor and Financial Planner. I do have a Collage degree in Finance, which made me feel somewhat educated and capable of the roll. I have always kept up with various strategies of investing and the ever evolving investment choices and opportunities. Eventually, I realized that the strategy best suited to my goals and comfort level was a Passive Investment Strategy. As I approached retirement, I realized that I was not really keeping up with rebalancing nor paying enough attention to my portfolio, and realized that I was not really as interested in doing so. I also realized that if something were to happen to me, my wife would be over whelmed by it all. I began to research Financial Planning firms, and of course the fee structures associated with their services. During my research, one particular firm definitely peaked my interest, and it was Keener Financial Planning. They also came very highly recommended by several DIY investors who I had come to know and whose opinions I had come to highly respect. My wife and I met with Mr. Samuel Pond, about 4 years ago, and we felt like Keener would be a perfect match for us and our needs. I have never looked back, and I honestly feel so much comfort and reassurance knowing that I have these dedicated professionals guiding us through some of the hugely important decisions as we navigate through retirement. I certainly sleep better at night, and my mind is free to explore some of the more enjoyable aspects of retirement, thanks to Keener. I would highly recommend Keener Financial Planning to anyone looking for Financial Planning services, and in fact have. I am very pleased with the services that I have been provided, by Keener, and most certainly will be a client for life.									

										A great Fee Paid vs Commission based company that not only provides Stock & Bond service but also gives advice on other financial matters such as Insurance, Retirement Information, & some Tax guidance. The company also rebalances our portfolio Quartey without any additional cost or fees. They have always been very responsive answering any questions. As the cost is fixed, we always know what our cost is & do not have any additional unexpected charges.									

										I have been working with Keener for the past two years and have been extremely happy with their service. Their team is knowledgeable, responsive, and always quick to address any questions or concerns I have. One thing I appreciate most is their patience. Financial regulations and laws can be complex, and sometimes it takes me a while to fully understand new requirements. The Keener team never makes me feel rushed and is always willing to explain things multiple times, in different ways, until I am comfortable and confident with the information. Their professionalism, expertise, and commitment to client service have made them a trusted partner. I highly recommend Keener to anyone looking for a financial consulting team that truly cares about their clients and takes the time to ensure they understand the details.									

										I've been a client of Keener Financial Planning for almost 20 years after searching for someone who didn't want to just charge me to manage my money but help me make decisions and manage my own money. I've watched the firm grow from just Jean to today's amazing financial planners and staff. I feel like they care as much about my financial future as I do and my portfolio and retirement plan shows that. If you are looking for a fiduciary and a fee-only financial planner, then I highly recommend Keener Financial Planning firm.									

										I don’t usually write online reviews, but I’ll make an exception for Keener Financial Planning (KFP). As I approached retirement about 8 years ago, we started exploring professionals who could help us with our finances. Perhaps our experience can help others in their search. During my actual retirement process, we especially wanted someone who could help us with the tax planning around distributions from an employer retirement plan. That narrowed our search significantly. We were also open to the idea of someone managing our investments now that this would not be done in the retirement plan. But perhaps most of all, we wanted someone with whom we felt comfortable. Someone we could trust to watch out for our finances. We found all of this and more in KFP. We handled all our financial business while things were simple. But distributions from the retirement plan made things a lot more complicated. Add to that, changing tax laws, RMDs, QCDs, funding a Donor Advised Fund and projections beyond what I could do in my spreadsheets, and we realized we needed some help. Jean and her team manage our finances well. They are able to explain all their recommendations for investments, for Roth conversions, for maximizing use of tax brackets and so on. And when I often ask, “What about this?”, they will either help incorporate our ideas in the plan or help us understand other perspectives that might work against us because KFP is able to take the longer view. Choosing Keener Financial Planning as our planner and manager is probably the best financial decision we have ever made.									

										I have used Keener financial planning for my mom, kids and myself portfolio recommendations. I looked for best financial guidance for several years. I give them 10 out of 10. Best advice I have gotten.									

										I have been a loyal client for 13 years. Jean and her staff have always been very attentive to my needs and have done an excellent job in managing my portfolio. They are knowledgeable, courteous and responsive. I can't say enough good things about them.									

										The whole staff at Keener is so friendly and professional and Rachel especially, has worked with us to make our retirement pretty much worry free.									

										I used Keener Financial Planning at the recommendation of my father (who also uses them). I had a wonderful experience and achieved my desired result. They took the time to get my full financial picture and understand my goals. The financial plan I was provided was catered to my specific needs and situation and within my comfort level. They made it easy to understand and follow and also provided support and follow up to assist me.									

										Helped us get on track, financially and otherwise too.									

										Choosing a financial advisor is a deeply personal decision, and after careful research, we feel truly fortunate to have found Jean Keener and the team at Keener Financial Planning. From our very first conversation, it was clear we were working with a trusted advisor and fiduciary in every sense of the word. Jean's approach to financial planning is thoughtful, transparent, and centered on our best interests. She takes the time to listen, explain complex concepts clearly, and tailor recommendations to our unique goals and circumstances. What sets Jean apart is the genuine care she brings to every interaction, and the entire Keener team is amazing as well — everyone we've worked with reflects that same level of dedication and professionalism. Jean's depth of knowledge, sound judgment, and true integrity shine through in every recommendation, and her holistic, long-term view of planning has helped us make sound retirement decisions with clarity and trust. In today's ever-changing financial landscape, having an advisor with this level of steady, sound judgment gives us tremendous peace of mind. Navigating the future can feel overwhelming, but working with Keener Financial Planning has given us real confidence every step of the way. We highly recommend Jean and her team. Truly exceptional advisors and organizations are rare, and Jean and Keener Financial Planning exemplify what it means to put clients first with skill, integrity, and heart.									

										We chose Keener Financial Planning after interviewing several other firms, and are extremely happy with their services. As with most planners they consider your financial objectives and risk tolerance in your investment portfolio, but they are very sensitive to tax consequences when recommending strategies, and they ask thoughtful, proactive questions to help you ensure you are appropriately planning for your broader current and future financial security (insurance, wills, etc.). They are patient, explain the basis for their recommendations, and never judge. Highly recommend.									

										My wife and I have been using Keener Financial for several years.They took care of our accounts while we worked and now manage our accounts in Retirement.Jean and her team have been amazing very personable and easy to work with we have developed a great relationship.Our retirement has been worry free as Keener Financial Planning keeps us very well informed and guilds us with any advice or help we may need.It has left us worry free to enjoy our retirement and confident that we are getting the highest level of person service .									

										Thorough, professional, knowledgeable team with integrity and good communication and follow through.									

										I've been with them several years. They've helped tie up loose ends, such as estate planning,insurance, etc. It is also easy to get my money when I want it.									

										Samuel has been a great asset, helping us get ready for retirement. They were very detailed with all of the information they gathered for our first initial meeting. Giving us tips and useful information for us to get ready and plan for our new life in retirement. I appreciate how they use a flat fee scale for their fees, rather than a percentage of the portfolio. I would highly recommend Keener Financial to anyone for long term growth and comfort in knowing you are being taken care of on a regular basis.									

										Our Keener advisor, Samuel, has done a great job of listening addressing our needs. He checks in during the year to see if we have any new issues and if we are sticking to our plan. Then at the end of the year, his team puts together a look at our overall financial picture. I appreciate that he is a CFP professional and puts our needs first. Paying him by the hour is similar to how you would pay an accountant or lawyer and he always puts our interests first.									

										My husband and I started using Keener financial Planning several years ago, as we were approaching retirement age. Jean Keener and her staff provided us a clear and concise individualized look at our finances and a cohesive path going forward to provide us financial security in our retirement years. We wanted to choose someone who is independent of financial institutions to give us an unbiased look at our finances and how we should adjust our investments.									

										Have used Keener Financial Planning services twice to set up a retirement plan. They laid out a very detailed plan that looks very workable until our 99th birthday. Rachel took great care and patience to walk us through the plan and explained the reasoning behind each item. I learned more in one hour about finances with Rachel than in the previous 60 years. I have reccomended Keener to my daughter.									

										I've worked with Keener Financial Planning for 3 years and have been very happy with my decision to use them for financial planning as I entered retirement. They provided simple, easy-to-follow documentation for asset consolidation and ensuring I have sufficient cash flow to handle the ebbs and flows of the market. They promptly respond to questions, and we have a great vendor/client relationship. In addition to getting great expertise from KFP, I've saved thousands of dollars compared to the percentage fee structure of most wealth management firms.									

										I have used several different financial advisors over the past 35 years. Every single one started with great promises to meet quarterly or semiannual. Every single one failed to follow through. They were more interested in having my money under advisement to make money for themselves and not one seems committed or interested in my financial well being. Keener financial is exceptional. Not only have they followed through with promised services, they have gone well above and beyond my expectations. They are involved and keep me focused in my financial goals. They help with my reviewing our family trust, ensure that we are protected with adequate insurance coverage and most of all I have seen our money grow. I finally have a financial planner who seems more concerned about our financial health. I highly recommend their services to my friends, family and anyone else who asks.									

										My wife and I have been using Keener for only a short time, but we’ve been very happy with the personal attention and quick response we’ve gotten every time we’ve had a concern.									

										Samuel is patient, understanding, professional, and most of all caring. He cares for your best interests and advises in a manner which we can understand. I am 100% confident with his management of our retirement funds.									

										We have worked with the Keener team for nearly 5 years. What we most appreciate is the top level expertise delivered in digestible layman’s terms. After describing our needs and desired traits in an advisor, we were perfectly paired.									

										I am so grateful for all of the folks at Keener Financial Planning. I don't have a keen eye in the financial world, but Jean and Samuel have put us on track to be financially sound when we retire. I am so grateful for their advice. Their whole team is great!									

										Detailed investment advice with clear and concise step by step instructions. I am comfortable asking what I think are silly or awkward questions. Fee-only advice that ensures my best interests are the focus. Credentialed team members working on my plan.									

										My wife and I have been with KFP for over 7 years. It’s a nervous time when you retire and turn your lifelong funds over to someone else. We’ve worked with both Jean and Samuel and they have exceeded expectations. They are trustful, intelligent, up to date on all things financial and all done with warm and engaging personalities. Highly recommend!!									

										Keener’s approach is so much more than the investment management service provided by Fisher Investments who I was using while still working. Once I retired I wanted to add all my assets into the mix, including my 401K, funds from the sale of my house, and social security benefits. Keener’s fixed fee business model made their service an attractive option - much better value than Fisher. After a couple exploratory meetings with Keener, it became obvious that advice on tax, when to take social security benefits, when to take minimum required distributions and so on have a big impact financially if you get it wrong. This is where Keener really beats the %-based-fee, investment-only competition. Today, my wife and I have been with Keener for 8 years and we are very pleased with their performance - great attention to detail, sage advice on income tax planning, wills and gift tax, balanced investment portfolio, and when best to use our different pots of money. We even managed to have a meeting with both Keener and our estate planning lawyer which, according to our lawyer, was remarkable. We’ve made some big financial decisions such as buying a second property in Colorado and we’ve been able to do so with great confidence based on Keener’s analysis of the best way to finance the purchase.									

										Keener Financial Planning has been very important to us for many reasons. KFP has given us a clear picture of our retirement finances while reducing our stress about the future. KPF offers various options and recommendations that has made decisions easy. In addition to regularly scheduled Review Meetings, KPF has always responded to our needs in a timely, courteous, and professional manner. We are very please with KPF services and would highly recommend them to any couple looking for financial planning.									

										We've been clients of Keener Financial Planning for 12 years and have been very pleased with the service and advice. Fee-only planning, to us, is the way to go and because they are a fiduciary, we feel confident we're always given advice that benefits us.									

										Keener Financial Planning offered financial planning services with an hourly rate without trying to sell us anything or manage our assets. We have saved and invested for many years and needed an overall portfolio review with solid guidance! Keener has certainly provided us with greater confidence in our retirement income and spending, consolidated many accounts, simplified our portfolio (moved from individual stocks, bonds, and CDs to ETFs), and adjusted our investment allocations to better match our risk tolerance. All this has made our finances much easier to manage as we entered retirement. It is more fun to travel and enjoy life than to fret over investments and finances. I'm confident Keener can help you at whatever stage you are in!									

										As many couples, we were not able to begin planning for retirement, outside of company pension plans and Social Security, until we got both of our children through college and on their own. We knew that these resources alone would not provide the life the we wanted to experience in retirement (traveling, spoiling our grandchildren, not having to worry about every penny we spent). We were referred to Keener Financial Planning by co-workers in the education environment as Keener is very knowledgeable re: the Teacher Retirement System (TRS) in Texas. We began our relationship with Keener Financial approximately 10 years ago. Our 1st meeting began with an in-depth discussion of what we had financially and where did we want to be based on how we wanted to live in retirement. Jean listened to us, projected out a long-term plan, and mapped out the steps we would needed to take. We have annual reviews with her every year where we discuss changes in investments and any life changes that have occurred or are anticipated. We followed the plan they gave us to the 'T' after each review - moving money between accounts, investments, etc. Today, my husband and I are both retired (as of last year) and are able to live the life we had anticipated. We could only do this with the help of Keener Financial. They listen and provide a way for you to achieve your financial goals.									

										I have been using Keener Financial for over thirteen years. Jean and her staff have always provided the highest level of service that I could expect. I know that my assets are safe with her guidance and I trust her and the company to always have my best interest in mind.									

										We just began using Keener as our financial advisors at the recommendation from our accountant and also from our former adviser in New Jersey. Everyone we have dealt with at Keener has been very helpful and professional. Samuel Pond , our advisor, and Thomas Walsh the operations associate helped us through the process of setting up our investments.									

										My wife and I are so pleased with Keener Financial. They are the third Financial Planning company we have tried, and are so glad to have finally found a reputable, affordable and professional firm that has been spot on with their planning for us.									

										We have used Keener Financial for quite a few years. Rachel Songer and Sterling Gray have been our financial advisors and counselors. They are always available for questions and advice. During the financial turmoil of the last few years, Rachel and Sterling have talked us in "off the ledge" of panic. We have followed their advice and been VERY successful. They worked with our CPA and estate planning attorney to make it possible for us to retire on our time schedule with no worries for the future. We trust Rachel, Sterling and all the staff at Keener without reservation. I fully recommend them to anyone wanting to navigate the intracacies of the retirement planning world.									

										This is my introduction to financial planning and having someone other than my husband direct our finances. It has been eye opening, educational, and interesting. I know and understand more about planning our finances than I ever have. I have always been included but now have a better understanding of the big picture and how the future is probably going to look. The reason for 4-stars is this is a new process for me and I am still evaluating things.									

										We've been associated with Keener Financial for about four years now. As we approached retirement, we were looking for a fee-only, as-needed fiduciary that could help us prepare our finances for the next phase. We interviewed several firms in the Dallas area but came away disappointed with their insistence on an assets under management approach. Keener was one of the few that we found where we could meet with a financial advisor and commission a one-time financial plan for a set fee. The financial plan that came back to us was thorough and well thought out. We implemented the clearly spelled out action items ourselves and derived a great deal of confidence that we were well prepared for retirement. Two years later, right as we were retiring, we commissioned an update to the financial plan. We're a couple of years into retirement now and have found Keener's advice to be very valuable. The as-needed nature of the service that Keener provides is unique in our experience. We highly recommend the firm to anyone who wants a second opinion on their investment plan, is going through a major life event such as the loss of a spouse or receipt of an inheritance, or is wondering whether they can retire comfortably.									

										I started with Jean Keener in 2012 when I was retiring from a major corporation with a 401K and some individual IRA's. Since I had been an independent investor in the past, Jean supported me in my desire to manage my own assets with her direction and advice. I have been more than pleased with the knowledge, service and commitment from Jean and her team as her organization has grown, matured and added critical financial education and designations. Each year, Jean sits down with me to evaluate my portfolio, my spending, my assets and to report projections of my assets (Monte Carlo simulation report) and make recommendations for the next year. Usually, one of her team has worked on my account as well and I have found them to be knowledgeable, experienced, and very trustworthy. Jean always checks in with me after the meeting, and mid-year. I know I can always contact her with questions, concerns, or events which might affect my situation. If I ever want to have the firm take over management of my portfolio, I have faith that they have the expertise, training, knowledge, and integrity to manage it as I would want and expect. I have confidence in Jean and all of her team.									

										We have been relying on the sound advice of Keener Financial for years. Their review of our current financial needs and the uncertain market future have insured a positive yearly outcome ever since. We fully trust the recommendations they make for big and small market investment moves. Our financial prosperity is their number one priority.									

										Rachel has been my financial adviser for several years. She has worked with me pre-retirement and into my retirement years. She listens well and I always feel confident with her advice. My investments have grown under her guidance.									

										We worked with Beth Schurtz. I cannot say enough compliments on her service. She was kind, patient, thorough and above all so knowledgeable. She met us where we were- explained and explored different scenarios and helped us come up with an easily implementable plan for our needs.									

										My husband and I have used Keener Financial Planning for over a decade to help us create and manage our portfolio of investments. Jean Keener and her team have provided us with the guidance we needed to meet and exceed our retirement planning goals. They continue to assist us as we navigate the life changes that come with empty nests, retirement, and changing priorities. We have recommended them to people in real life, and I'm happy to do so in this forum.									

										We’ve been extremely pleased with the guidance and service we’ve received from Samuel and the entire Keener team. From the beginning, they have taken the time to truly understand our goals, answer our questions, and explain our options in a way that is clear and easy to understand. We have never felt pressured, and we have always felt that our best interests come first. Their advice has given us greater confidence as we plan for retirement, and we truly appreciate their professionalism, responsiveness, knowledge, and personal attention. Planning for the future can sometimes feel overwhelming, but Samuel and the Keener team have made the process much less stressful. If you’re looking for a financial advisor who is trustworthy, patient, and genuinely invested in helping you reach your financial goals, we would highly recommend Keener.									

										I never expected to LOVE meeting with our financial advisors. But I swear we look forward to every meeting. Jean and Steven are always just as happy to see us. They're also obviously happy doing their jobs. There's something special when you meet someone so completely into what they do. I lovingly refer to them as our amazing financial geeks. It gives us confidence in their abilities and we feel safe with them handling our life savings. That's not just a feeling - they're producing results. In fact, they've over performed. Equally importantly, we've recommended them to friends and family members. The people we've recommended to Keener are just as happy and satisfied as we are. I have no idea how they understand so much about managing our money, but I'm grateful that they do.									

										Highly recommended									

										We engaged Keener 6 years ago to validate the extensive planning I have already accomplished pre-retirement. They completed a VERY comprehensive review of investments, spending needs, retirement plans, legacy goals and Social Security claiming strategies verifying that I could retire. We engage Keener annually to update our plan and keep contact with our planner. Short term I will continue to manage our investments but at some point I will probably turn everything over to them. My wife will also turn everything over to Keener at my demise as she has no interest in managing our assets. Keener investment philosophy of utilizing low-cost mutual funds and ETFs combined with excellent personal service at fair cost is what attracts us to the firm. Highly recommend.									

										We've trusted Keener Financial Planning with our retirement portfolio for a number of years and are happy with their service. They take time to understand our goals, keep our investments aligned with our needs, and provide thoughtful advice whenever we have a question. Their suggestions and guidance have helped us make prudent tax decisions and plan ahead for important expenses, such as replacing vehicles and taking memorable trips (as well as being responsive to expected needs we've had). We especially appreciate how they explain everything and the confidence they give us about our financial future. We highly recommend Keener Financial Planning to anyone looking for advisors who are knowledgeable, responsive, and genuinely care about their clients.									

										We have used Keener Financial for over 10 years for our annual portfolio reviews, as well as special projects such as retirement planning. They are responsive, very knowledgeable and a pleasure to work with! I wouldn't hesitate to recommend them to anyone, and in fact our 30-something daughter has just begun using their services. I feel we have greatly enhanced our portfolio assets under their guidance, and believe their fees are fair. We had interviewed many top firms, in person, before selecting Keener Financial, and are so glad we choose them! We are finally comfortable with, and supremely confident, in our financial plan.									

										I had always taken care of our finances in the past. When we retired, I was very nervous about taking distributions. I spoke with a good friend who I would bounce ideas off of whenever I had questions about different investments and he recommended Keener. I am so glad we decided to hire them to help us plan our financial road map. It turns out that our advisor is the same as my friends and she made everything so simple for us. I thought I had a handle on how I would start distributions and what we could safely use but Rachel Songer made a plan for us that went into so much detail, I finally saw just how rough my own plan looked in comparison. This whole process helped my wife have a better understanding of where everything was and how it all worked. Rachel made sure to ask both of us our goals and dreams and incorporate that into our plan. The whole process took place remotely which was actually very convenient. It took a few months from start to finish as it is very in depth. Even after we had our plan, Rachel kept checking back with us to see if we had questions and check how we were doing. If there is one thing I value most from hiring Keener is that we have peace of mind. No matter how crazy the market gets, I feel like we have a solid plan with built in safety so we are free to live our best life.									

										We have now conducted numerous financial reviews with the Keener consultant Rachel Songer, who escorted my wife and I through a years-long transition from full employment to retirement for which we needed much financial reassurance. As neither Rachel no Kenner have any apparent potential conflicts of interest, we felt confident that she and her team at Keener could focus on their fiduciary responsibility. She was sensitive to the many moving parts and sometimes contradictory goals that we raised when setting up a financial plan that would allow us to maintain our living standard while preserving assets for our children. She and her team were knowledgeable about tax planning, inheritance laws, and the many other components of long-term planning. Keener is well organized in regard to arranging appointments, ensuring that the correct documentation is submitted, and facilitating productive planning sessions. We have been very pleased and expect to remain clients for the indefinite future.									

										My family has worked with Keener Financial Planning for several years, and the experience has been exceptional. Jean Keener and her team have consistently provided thoughtful, objective, and highly personalized financial guidance. They take the time to understand our goals, explain our options clearly, and help us make informed decisions with confidence. At no point have we ever felt pressured into products or strategies that weren’t in our best interest. What stands out most is their integrity, responsiveness, and genuine commitment to serving their clients as fiduciaries. Financial planning isn’t just about investments—it’s about having a trusted advisor who helps you navigate important life decisions. Keener Financial Planning has been exactly that for our family. I highly recommend Jean and the entire Keener team to anyone looking for a knowledgeable, trustworthy, and client-focused financial planning firm.									

										They do a great job gathering the necessary info to your specific situation and explaining their plans. Have never felt pressured in any way and they are always available for questions later. Would definitely recommend!									

										Beth was very helpful with updating our financial plan provided by Keener several years ago. She listened to us, asked appropriate questions, and provided very sound and applicable advice and recommendations to fit our needs and financial situation. Highly recommend Keener and their associates. No products for sale; only careful examination of our financial situation and sound advice.									

										Everyone at Keener Financial is professional, but also very personable. They are committed to listening to your situation, and acting accordingly. Should different circumstances arise, they are ready to pivot and come up with solutions for your individual needs. I continue to be very satisfied with all services provided, and would not hesitate to refer them to anyone.									

										I searched for some time to find a group I could trust and feel confident with. Keener is that group! Thorough, professional, courteous of your time, the real deal!									

										I've worked with Jean Keener for 15 years and her guidance has contributed to expanding my portfolio beyond my wildest dreams. When we first met, I had a lot of information gaps, and she was very patient and kind in explaining terms that I didn't understand. She's been generous with her time in terms of answering questions between consultations. I prefer this kind of fee-based financial advising to any company that wants to sell me products, which Keener Financial Planning has never done.									

										I highly recommend Keener Financial Planning who have successfully managed my portfolio from when I was working and into my retirement. I had interviewed several firms before I selected Keener Financial Planning and have been very happy with the results, communications, advice and guidance as I transitioned into retirement with not just with financial planning but long term planning including insurance and health care. Jean Keener and her team are the BEST and I am a very satisfied customer.									

										I went through 3 other financial advisors in my life who all revealed themselves to be non fiduciary, and leading me toward products that would make them a nice commission. All the while, not. giving me the best returns. In looking for a full fiduciary advisor I researched out Keener financial. I believe I have been with Keener now 5 or 6 years and I have been very satisfied that they have my best interest in mind. And that I am aware of their flat fee's before proceeding with them each year, I would highly recommend using Keener financial. All of their staff that I have worked with have been friendly and professional to work with.									

										My wife and I have been with Keener Financial for more than 10 years, and we couldn't be more pleased with the expert advice we've received. Over the years, they have consistently been knowledgeable, trustworthy, and genuinely focused on helping us make sound financial decisions. With their guidance, we have reached (and exceeded) our retirement goals, and I'm honestly not sure we would've been able to do that without their counsel. If you're looking for financial advice or long-term planning, I could not recommend them more highly.									

										I've been with Jean Keener since 2010 and have been extremely satisfied with her assistance with my retirement planning. I've been in retirement for 2 years now, and our playbook is perfect. Thanks, Jean!