# Kelly Kariker

> Kelly Kariker is a fee-only financial advisor at White Sand Wealth Management in Liberty, Missouri, who holds the CFP credential. White Sand Wealth Management reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/kelly-kariker/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** White Sand Wealth Management
- **Based in:** Liberty, Missouri
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $172.4M across 197 accounts
- **Credentials:** CFP
- **CRD:** 6792877 (https://adviserinfo.sec.gov/individual/summary/6792877)
- **SEC registration:** Investment adviser representative in KS, MO, TX
- **Firm size:** 7 employees
- **Disclosures:** None reported
- **Website:** https://wswm.net/

## Frequently asked questions

### Is Kelly Kariker a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Kelly holds no broker registration, and White Sand Wealth Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Kelly charge for financial advice?

Kelly's firm, White Sand Wealth Management, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Kelly Kariker based?

Kelly Kariker is based in Liberty, Missouri.

### What credentials does Kelly Kariker hold?

Kelly Kariker holds the CFP credential.

### Is Kelly Kariker registered with the SEC?

Yes. Kelly Kariker is registered as an investment adviser representative in KS, MO and TX (CRD 6792877), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does White Sand Wealth Management manage?

White Sand Wealth Management reports $172.4M across 197 accounts in assets under management.

### How do I contact Kelly Kariker?

Through Kelly's website, wswm.net.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6792877): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.