Staff

Chris Hibsman

Founder/President
(440) 276-0919

Founder and President at KLT Insurance, Chris has spent more than a decade working toward building a business focused on our client’s needs. We believe the relationship with our clients starts with a foundation of Know, Like, and Trust. Chris and his family moved to Ohio in 2014 while working for Nationwide Insurance. In 2020, the opportunity to open an independent insurance agency presented itself and KLT Insurance was born. Chris, his wife Dana, and their six children love living in Northeast Ohio. Chris is an active member of the community through coaching youth sports and the Chamber of Commerce. In his free time, Chris likes to play golf and watch his favorite sports teams.

Fred Kerestury

Financial Advisor/Life Insurance Specialist
(440) 584-0558

After spending over 13 years in the financial services industry, I continue to enjoy seeing people succeed especially when they may have otherwise thought they wouldn’t. The best part of my job, unlike some other professions, is that I get to see the outcomes of the work I do demonstrated in the lives of people and families I help. It’s really hard to put into words how rewarding that is.

The most important thing I do is help people get ‘beyond the obvious’ and begin to make intentional decisions to help them put together their ENTIRE financial puzzle. Puzzles don’t come with instructions, so trying to put together a puzzle and make it look like the front of the box on your own can be complicated, confusing, and time consuming. Yes, you will eventually finish the puzzle on your own, but how different would it be if you had a professional to help you get started; help you if you got stuck; help you stick with it when you wanted to give up; help you if the pieces fell on the floor and you had to start all over? My role is to be that partner; strategist; coach; counselor.

I believe that creating a holistic plan as a fiduciary is the highest standard for client care. I also believe in working with people who are committed to the process of creating a holistic plan and who also want to have a collaborative, ongoing, and meaningful relationship with their financial advisor. The process is the purpose.

What you can expect from my process is the following:

1. We’ll determine what’s important to you & what your comfort level is.
2. We’ll determine the order of operations: what we need to do and when we need to do it.
3. We’ll monitor your progress & adjust as your life moves forward.

Throughout the process some of the topics we will discuss are:

• Getting to & living through retirement
• Saving for college
• Income replacement & protection
• Choosing appropriate and suitable investments
• Estate considerations
• Tax implications

I look forward to helping you. Let’s put your puzzle together.