Keen Capital is a fee-only fiduciary wealth advisor based in Chapin, South Carolina, serving high-net-worth families in Lake Murray and across the SC Midlands. We do not sell investment products, accept commissions, or earn referral fees from product providers. We are compensated only by our clients, and we are held to a fiduciary standard at all times.
Why Keen Capital works with HNW families in Lake Murray
Keen Capital is based in Chapin, on the southern shore of Lake Murray. For Lake Murray families, that means an advisor whose office is minutes from your home, whose understanding of the Midlands market runs deep, and whose practice serves the unique planning needs of retirees and pre-retirees who chose Lake Murray for the lifestyle.
Who we work with in Lake Murray
Lake Murray HNW families are often retirees or pre-retirees who relocated from higher-tax states (most commonly the Northeast and West Coast) for the SC tax environment, lake lifestyle, and community feel. Many maintain residences in both SC and another state, which creates state-residency planning considerations. Others are long-time Midlands residents transitioning from accumulation to distribution as they approach retirement.
What fee-only means and why it matters
A fee-only advisor is paid directly by the client through a flat retainer, hourly fee, or percentage of assets under management. No commissions. No product kickbacks. No referral fees. The structure removes the most obvious conflict of interest in financial advice: the incentive to recommend whatever pays the advisor a commission.
For HNW families with complex tax situations and multi-decade horizons, the fee-only structure aligns the advisor’s incentives with the client’s outcomes. Our deeper guide on what fee-only means walks through the distinction between fee-only, fee-based, and commission-based compensation.
Services we offer in Lake Murray
Our Lake Murray engagements typically focus on retirement income planning, tax-aware portfolio management coordinating SC and federal pictures, state-residency planning for dual-residence households, and estate planning. For relocating families, we work through the timing of state residency change, the treatment of concentrated stock positions, and the coordination of SC and out-of-state estate documents.
- High-net-worth investment strategies — tax-efficient portfolio construction and asset location for HNW households
- Strategic asset management — long-horizon allocation, rebalancing, and risk monitoring
- Tax-aware wealth management — coordinated investment and tax planning across federal and SC state pictures
- Generational wealth planning — multi-generational planning that coordinates investment and estate strategy
The South Carolina tax environment for HNW retirees
South Carolina does not tax Social Security benefits and offers a retirement income deduction for residents aged 65 and older. The state’s top marginal income tax rate has been phasing down (6.4 percent in 2025, with continued reductions scheduled). For HNW retirees considering a relocation from higher-tax states, the SC tax environment can meaningfully increase the after-tax retirement income from any given portfolio.
For working HNW families in Lake Murray, the same tax environment shapes asset location decisions, charitable planning, and the timing of income recognition. We integrate the SC tax picture into every plan we build.
How our process works
The first conversation is a no-cost discovery call. We learn about your situation, your goals, your existing structure, and what brought you to the conversation. From there, we either propose a planning engagement or refer you to a different advisor whose services fit your situation better. We accept clients only when we believe we can deliver clear value.
Our fee structure for ongoing wealth management is a percentage of assets under management, tiered to scale with the size of the relationship. Smaller engagements (financial planning without ongoing investment management) are available on a flat-fee basis. Both structures are disclosed up front, in writing, before any engagement begins.
Office and contact
Our office is located at 510 Lexington Avenue, Suite 101, in Chapin, SC, just minutes from Lake Murray. We work with families throughout Lake Murray and the broader Midlands.
To schedule a no-cost discovery call, please reach out through our contact page or call our office directly. We will respond to inquiries within one business day.