3 percent down mortgages: A guide to your options
You don’t have to come up with 20% in cash. But paying less now can cost you later.
7 min read
Oct 24, 2025
Kenneth Chavis IV
Senior wealth advisor at Versant Capital Management
Kenneth Chavis IV is a Senior Wealth Advisor at Versant Capital Management, a $900 million wealth management firm founded in Phoenix, AZ. Versant provides investment management, wealth strategy, financial planning, and tax advice to business owners, wealthy families, and women experiencing life transitions. Versant's advisors serve clients as fee-only fiduciaries, with an emphasis on growing and preserving multi-generational wealth.
Kenneth's career in the wealth management industry spans nearly a decade. In prior roles he served business owners and entertainers as a Senior Wealth Manager at LourdMurray and previously served executives, business owners and medical doctors as a Financial Advisor at Empirical Wealth Management.
Kenneth's experience includes providing advanced financial planning, retirement planning, tax planning and investment management to equity-compensated executives, business owners and engineers with stock compensation at many Fortune 100 companies on the West Coast, including Intel, Microsoft, Nike, Alphabet (formerly Google), Apple and Amazon.
Kenneth has received multiple industry awards and recognition, including the InvestmentNews 40 under 40 in 2023, the Investopedia Top 100 Financial Advisor in 2022 and 50 Under 50 by the Association of African-American Financial Advisors in 2021 and 2020, recognizing the most outstanding and influential Black and African American financial professionals in the country.
Kenneth has been interviewed on national television on the topics of personal finance, investing and the economy. He has also been quoted in financial media publications including Wall Street Journal, CNBC, Business Insider, TIME, Nasdaq, MarketWatch, NerdWallet, Bankrate and MoneyGeek.
Kenneth is a CERTIFIED FINANCIAL PLANNER™ professional, holds a Certificate in Financial Planning from Boston University and earned a Bachelor of Science in Business Economics from Hawaii Pacific University, where he graduated summa cum laude.
Kenneth is a member of the Financial Planning Association of Greater Phoenix and an advisory member of the Association of African American Financial Advisors.
Connect with Kenneth on LinkedIn and follow him on Instagram at @good4yourmoney.
Kenneth's latest articles
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Fixed-rate vs. adjustable-rate mortgages: What’s the difference?
One offers certain, unchanging payments; the other, a chance to pay less interest.
4 min read Oct 22, 2025 -
The 3 insurance myths a claims adjuster wishes would go away
Let’s break down three myths I see come up frequently in my day-to-day as an adjuster.
4 min read Oct 16, 2025 -
Home equity loan risks: Is borrowing against your property always wise?
Borrowing against your property can be risky. Here’s how to do it safely.
9 min read Oct 14, 2025 -
Best brokerage account bonuses in October 2025
Have some extra cash you want to invest? Brokerages are rewarding new clients.
4 min read Oct 01, 2025 -
How to do a credit card balance transfer
Here’s how to do a balance transfer, which could help you pay off debt faster.
6 min read Sep 30, 2025 -
Prequalified vs. preapproved: What’s the difference?
They sound similar, but only one assures home sellers you’re a serious buyer.
3 min read Sep 30, 2025 -
How to deduct stock losses from your taxes
Here are the ground rules for what the IRS will allow you to do with capital losses when filing your taxes.
7 min read Sep 30, 2025