Supplemental Income. Built for You. Not for Middlemen.
When a Major Event Changes Your Income, Your Portfolio Should Be Ready.
You sold a business. Closed on a piece of real estate. Stepped back from a career. Whatever the event, the result is the same — a source of income you counted on is gone, and something needs to replace it.
Most firms solve this problem the same way: they hand your money to an outside manager who runs an income fund, charges a layer of fees you may never fully see, and delivers returns that have already been skimmed before they reach your account. You’re paying for convenience — theirs, not yours.
At Keel Wealth Management, we build income portfolios directly. No outside managers. No fund-of-fund structures. No unnecessary layers between you and your money.
How We Build Income
We construct fixed income portfolios from the ground up — selecting individual bonds, treasuries, municipals, and corporates based on your specific income needs, tax situation, and risk tolerance. Every position is chosen with intention.
Our no-markup bond strategy means you pay what the market charges — nothing more. There’s no spread added by a middleman, no embedded fee buried in the price. You see exactly what you’re buying, what it costs, and what it yields. Investors keep more of what they earn. It’s that simple.
Why Outside Managers Cost You More Than You Think
When a firm outsources your income portfolio to a third-party manager, you’re paying twice. You pay your advisor. Then you pay the outside manager. And between those two layers, the friction adds up — management fees, transaction costs, spreads, and markups that quietly erode your yield.
Over time, those costs compound. On a portfolio designed to generate income, every basis point matters. The difference between keeping your yield and giving a slice of it away is the difference between income that sustains your lifestyle and income that falls short.
We eliminate that layer entirely. Your income portfolio is built and managed in-house, by the same team that manages the rest of your wealth.
AI-Powered Fixed Income Execution
Our AI agents scan dealer inventory and platforms daily to discover attractive yields, credit spreads, and duration opportunities across the entire fixed income market. Whether it’s municipal bonds for tax-advantaged income, investment-grade corporates for yield, or treasuries for stability — we find the best available execution for every position in your portfolio.
This isn’t a quarterly review. It’s continuous. When opportunities appear, we act.
When Life Changes, Your Income Shouldn’t Disappear
The sale of a business or a piece of real estate is a milestone — but it can also mean the loss of income you’ve relied on for years. A well-constructed income portfolio replaces that cash flow with predictable, recurring distributions designed around your actual needs.
We work with you to understand exactly how much income you need, when you need it, and how to generate it in the most tax-efficient way possible. No guesswork. No generic solutions. A portfolio built to pay you.
The KWM Advantage
No outside managers. Your income portfolio is built and managed directly by KWM. No extra layer of fees.
No markup bond strategy. You pay market price. No spread added. Investors keep more of what they earn.
No friction. Fewer hands touching your money means faster execution, lower costs, and better outcomes.
Fiduciary. Always. Every bond we select, every allocation we make, is in your best interest. Legally.
Fully transparent. You see every holding, every yield, every cost. No surprises.
To learn more about how Keel Wealth Management builds income portfolios that work for you — not for middlemen — contact Scott Zodin at scott@keelwealth.com or call (512) 368-4593.
