# Kristin Hetzer

> Kristin Hetzer is a fee-only financial advisor at Royal Palms Capital in Whitefish, Montana, who holds the CFP credential. Royal Palms Capital reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Royal Palms Capital
- **Based in:** Whitefish, Montana
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $124.2M across 249 accounts
- **Credentials:** CFP
- **CRD:** 1098705 (https://adviserinfo.sec.gov/individual/summary/1098705)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (1983), Series 65 (1993)
- **Firm size:** 1 employee
- **Disclosures:** Reported; see the SEC record
- **Website:** http://www.royalpalmscapital.com

## Frequently asked questions

### Is Kristin Hetzer a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Kristin holds no broker registration, and Royal Palms Capital reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Kristin charge for financial advice?

Kristin's firm, Royal Palms Capital, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Kristin Hetzer based?

Kristin Hetzer is based in Whitefish, Montana.

### What credentials does Kristin Hetzer hold?

Kristin Hetzer holds the CFP credential.

### Is Kristin Hetzer registered with the SEC?

Yes. Kristin Hetzer is registered as an investment adviser representative in CA (CRD 1098705), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Royal Palms Capital manage?

Royal Palms Capital reports $124.2M across 249 accounts in assets under management.

### How do I contact Kristin Hetzer?

Through Kristin's website, www.royalpalmscapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1098705): 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.