Transforming the financial and emotional well-being of people.


Client-centered, we don’t sell financial products.

Your Financial Planning Company

Discover what brings meaning to your life and how we help support that quest through the efficient management of your financial and non-financial resources.  There may be no absolute guarantee of future financial success, but our experienced team of financial planners and coaches brings over 100 years of experience to assist you with every financial challenge imaginable.

We take a personal, holistic approach to financial planning. Our financial planners and coaches offer an array of products and services, including professional financial planning and coaching services. They are trained professionals helping you maximize the effectiveness of both your financial and non-financial assets.

We offer investment advice, wealth management, and financial coaching strategies virtually to a nationwide clientele and in person to clients within driving distance of our home office in Rapid City, South Dakota. Our specialties include financial psychology, commission-free investment strategies, comprehensive financial planning, asset protection, and real estate and business consulting. Our services allow business owners, professionals, and retirees to create the financial security they need to enjoy financial independence and active retirement. The bottom line is that our team of fee-only financial planners makes working with us easy and cost-effective.


Financial Planning

You work hard, you spend frugally, and your net worth is growing. So are the complexities that come with accumulating wealth. Our skilled financial advisor team in Rapid City can help guide you with any decision that relates to money.

Your financial situation maybe short-term financial goals or long-term goals. Either way, you have found the right financial advisor for your needs. We have certified financial planners on our team to meet your personal finance needs.

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Financial Therapy

Are you “stuck” in unhelpful money patterns? Do your thoughts and feelings around money create stress for you or tension in your relationships? No matter how much or how little money you deal with, financial therapy can help. Many looking to find a financial advisor do not realize the benefits of investment in financial therapy or how it can help them achieve their financial goals.

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Investment Management

Our advice is based solely on your values and best interests. We provide an aspect of your financial life for long-term benefits. Our money management services have been very beneficial for our clients. We don’t sell financial products like financial institutions and brokerage services do.

Our investment advising team in Rapid City has 100+ years of experience, and our CIO spent five years on the SD Investment Council.

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Lightning Meetings

Maybe you don’t think you need an ongoing relationship with an investment advisor, just some guidance on a one-time financial concern like tax or estate planning or deciding which mutual funds you should invest in. Our advisors provide a variety of standalone consulting services.

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Recent Financial Blogs:

Why We Put Off Planning for Long Term Care

An essential component of planning for retirement and old age is building financial resources to pay for long-term care. Yet having enough money is not automatically a guarantee of getting the best care you need when you need it.
The biggest problem is availability. Why is it so common to wait for a health crisis before we arrange for care?

Seller Financing: A Real Estate Option From The Past May Be Back

Today’s rising real estate prices and interest rates have sparked memories for me of the 1980s, when I made my living as a real estate broker. Those were the days of 12% mortgages, which put home ownership out of the reach of many. Seller financing, where the seller rather than a financial institution makes the loan to the buyer, was a common way to buy and sell property without involving bank financing.
Today, cash deals have become the gold standard in real estate. I haven’t been aware of a seller carrying back financing for decades. But rising interest rates are giving some sellers an opportunity.

Resistance to Financial Advice Is a Sign to Slow Down

The illusion is that people come to financial planners for financial advice. Planners often assume that when they give advice that would seem an obvious solution to a problem, the client will take it, act on it, and profusely thank the planner for their wisdom.
That is often magical thinking. In reality, providing “the solution” is often met with resistance rather than acceptance. That resistance means someone is moving too fast.

Financial Planning Resources

The Financial Therapy Podcast by Rick Kahler

Listen to the most recent podcast by Rick Kahler, CFP®, CFT-I™. What makes his financial world view different from most financial experts? He blends the nuts and bolts of financial advice with the emotions that drive making them.

Every financial behavior, whether it appears illogical to you or others, makes perfect sense when we understand the underlying beliefs, feelings, and thoughts. Good money decisions are not just about money.

Financial Planning In The News

Kahler Financial Group’s founder, Rick Kahler, is a registered investment advisor recognized on a national level for his knowledge of traditional and cutting-edge financial planning services. Check out the latest articles that are published in Forbes, CNBC, USA Today, The New York Times, Wall Street Journal, MarketWatch, Money Scoop, etc…

South Dakota Public Broadcasting

Kahler Financial Group’s Founder and President Rick Kahler has an ongoing relationship with South Dakota Public Broadcasting. He has been featured on several different SDPB radio programs and is a frequent guest on the In The Moment show hosted by Lori Walsh. In The Moment is airing weekdays from 11:00 AM-12:00 PM MT and a rebroadcast at 6:00 PM – 7:00 PM MT.

Financial Books by Rick Kahler

Rick Kahler, CFP®, has co-authored seven important financial books that are making a difference in how people perceive, react to, and handle money. These titles include the following:

  • Coupleship Inc: From Financial Conflict to Financial Intimacy by Debra Kaplan, MA, MBA and Rick Kahler, MS, CFP®, CFT-I™, CeFT®
  • The Psychology of Financial Planning by Saundra M. Davis, MSFP, APFC®, FBS®, Rick Kahler, MS, CFP®, CFT-I™, CeFT®, Emily Koochel, Ph.D., AFC®, CFT-I™, Meghaan Lurtz, Ph.D., FBS™, Megan McCoy, Ph.D., LMFT, AFC®, CFT-I™, Lance Palmer, Ph.D., Ron Sages, Ph.D., AEP®, CFP®, CTFA, EA, and Neal Van Zutphen, CFP®, M.S.
  • Conscious Finance by Rick Kahler, CFP®, and Kathleen Fox
  • The Financial Wisdom of Ebenezer Scrooge by Rick Kahler, CFP®, and Drs. Ted & Brad Klontz
  • Facilitating Financial Health: Tools for Financial Planners, Coaches, and Therapists by Rick Kahler, CFP®, and Drs. Ted & Brad Klontz
  • Wired for Wealth: Change the Money Mindsets That Keep You Trapped and Unleash Your Wealth Potential by Rick Kahler, CFP®, and Drs. Ted & Brad Klontz
  • The Financial Wisdom of Ebenezer Scrooge by Rick Kahler, CFP®, and Drs. Ted & Brad Klontz – Published in 2005
Glossary of Financial Terms

Glossary for Financial Terms

Check out these financial definitions to help you understand some financial terms. This list has many definitions taken from the Conscious Finance book by Rick Kahler, CFP®, and Kathleen Fox.

Our Mission

As a Rapid City based fee-only financial adviser, Kahler Financial Group’s mission is to be an advocate in helping people across the entire United States of America to make wise financial decisions that contribute to their prosperity and happiness. We do this by understanding your money history, objectively assessing your current situation, and offering options that will solve problems and create the future you desire.