Richard S. Kahler

Richard S. Kahler


Kahler Financial Group

(605) 343-1400

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Fee Only Financial Planner Located in Rapid City, SD and Serving Clients Nationwide


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


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1010 9th Street
Suite 1
Rapid City, SD 57701

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Richard Kahler is a Rapid City, SD Fee-Only Financial Planner serving Rapid City and all surrounding areas. Kahler Financial Group specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Richard Kahler is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Rick Kahler, MS, CFP®, ChFC, CCIM, president of Kahler Financial Group, is a life-long resident of Rapid City, South Dakota. He began his professional career in 1973 selling and appraising real estate. He founded Kahler Financial Group in 1981 and became the first fee-only Certified Financial Planner™ in South Dakota in 1983. He is on the faculty at Golden Gate University where he teaches their Facilitating Financial Health graduate course.

In 2009 BusinessWeek,named him one of the top 15 most experienced planners in the nation. In 2009, he was recognized by Wealth Manager magazine as the largest financial planning firm in a seven-state region. In 2012 Investment News named Rick one of the top 15 advisers for financial advisers to follow on Twitter.

His firm, specializing in the integration of financial coaching, counseling, and traditional financial planning, attracts a nationwide clientele. Rick specializes in investment advising and financial planning services for business owners, professionals, and retirees.

Rick graduated from the American College, Bryn Mawr, PA, in 1988, earning the Chartered Financial Consultant (ChFC) degree. In 1984, he was admitted to the Registry of Financial Planning Practitioners by the International Association of Financial Planners. He obtained his master’s degree in personal financial planning in 1999.

He has served on and chaired the South Dakota Investment Council (managing $6 billion) and has served nationally in several leadership capacities with the Financial Planning Association. Kahler is also a nationally renowned speaker and educator. His workshops and seminars draw some of the world’s wealthiest and most influential people.

He is co-author of four revolutionary books on money :Conscious Finance (FoxCraft, Inc., Second Edition 2007), The Financial Wisdom of Ebenezer Scrooge (HCI, 2006), Facilitating Financial Health (NUCO, 2016) and Wired For Wealth (HCI 2009).

His work, as the co-founder of Onsite Workshop’s Healing Money Issues workshop, was featured in Wynonna Judd’s book Coming Home To Myself (New American Library, 2005).The Wall Street Journal hailed this work as “an innovative effort that combines experiential therapy with nuts-and-bolts financial planning.”

Rick is the past chair of the Financial Therapy Association, on the Board of Directors for the Journal of Financial Therapy, on the peer review committee of the Journal of Financial Planning and a past member of the Midwest Board of the National Association of Personal Financial Advisors.

He also served a two-year term on the Journal of Financial Planning Advisory Board 2003-2004 and was chair of the 2004 FPA National Retreat. In 2003, Rick was recognized by National American University with the Alumni Distinguished Service Award.

ABC, NBC, CBS, and AlJezeera America have all done segments featuring Rick’s work. He has been published or cited in USA Today, The Wall Street Journal, The New York Times, The Washington Post, Forbes, Money, US News & World Report, Smart Money, FoxBusiness,,, Parenting, Consumer Reports, Self, Men’s Health, Journal of Financial Planning, Financial Planning Magazine, Investment Advisor, and Counselor Magazine.



As a South Dakota-based fee-only financial advisor, Kahler Financial Group’s mission is to be an unbiased advocate in helping people 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.

Advantages of Working with a Client-Centered, Fee-Only Financial Advisor (CFP)

As independent financial advisors driven by the needs of our clients, we seek out the best financial solutions to benefit our clients.  Unlike banks, insurance or investment firms, we are not limited in the scope of products nor are we commission-motivated.  As client-centered, fee-only advisors, we are committed to competent and ethical behavior when providing financial advice, and we disclose potential conflicts of interest.

When our clients plan for and face the inevitable changes in life we are their financial confidants and advocates. And yes, there are times when we protect our clients from themselves.

To learn more about our services, visit our Financial Services page.