Ryne Bessmer

Personal Finance, Retirement, Investing
“Ryne Bessmer, Financial Advisor with Karstens Investment Counsel, is dedicated to building a mutual trust and understanding in each of his client relationships.”

Karstens Investment Counsel, Inc.

Job Title:

Financial Advisor


Ryne joined Karstens Investment Counsel in 2016. He has worked in the field of Investments and Finance since 2011 and has experience ranging from large institutional firms to individual wealth management. He received his degree in Financial Management from Hillsdale College in Michigan, where he also studied Economics and History. Ryne is very involved in the community. He serves on the Board for Angels Among Us, a local Non-Profit for children suffering with cancer. He is also on the Advisory Board for First State Bank. In addition, he is the President of Young Catholic Professionals. Ryne lives in Omaha, Nebraska. His only claim to fame is that he was named after a notable Chicago Cubs player, Ryne Sandberg.

At Karstens Investment Counsel (KIC), Ryne and his team recognize that each investor is unique and therefore each investment plan should also be unique. Their recommendations are tailored to each client’s long-term goals and objectives, risk tolerance, need for cash flow, and tax situation. Their clients are the first priority.

Ryne believes that a client is best served by utilizing a single advisor who is aware of, and takes into account, the entirety of that client’s financial situation. At KIC, Ryne acts as  client's Chief Financial Officer. As personal CFO, it is his job to help his clients manage their financial complexities, from investments to tax planning, insurance needs to retirement planning, and estate planning and beyond.


BS, Financial Management, Hillsdale College

Fee Structure:


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December 2016
    Financial Planning, Personal Finance
January 2017

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    Career / Compensation
What amount of fees should I reasonably expect from a Financial Advisor?
89% of people found this answer helpful

Adivsors charge fees in a variety of different ways. A few that you might expect to see would be an asset based fee, hourly fee, or a flat annual fee. 

The hourly and annual fee are self-explanatory. Those who charge by the hour will generally bill you in a similar fashion to your CPA or your attorney and the amount will completely depend on how much work they do for you in a given time period. The advisors that charge an annual fee will most-often keep that fee flat regardless of how often you call or need an appointment.

The asset-based compensation method - probably the most common you will find - is where an advisor will charge a percentage fee based on the amount of money you have invested with him or her. Most often, these fees range from .50% to 1.50%, and will be on a sliding scale to decrease as the amount of assets invested increases.

It is important that you understand how your advisor is compensated and I would recommend that you interview multiple professionals to ensure you are hiring the right person to fit your needs. With that said, finding the advisor with the lowest fees is not always the right solution, so be sure to understand their expenses, but then look beyond that and evaluate them on experience, scope of advice, philosophy, and integrity. I assure you that a good financial advisor is well worth the price you will pay.

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