HELOC, refinance or home equity loan: What’s the best way to borrow against your home?
Not all equity-tapping methods are created equal.
7 min read
Jul 07, 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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FDIC insurance: What it is and how it works
One of the most ubiquitous signs in a bank is “Member FDIC.” Here’s what it means.
9 min read Jul 07, 2025 -
USDA loans: What are they and am I eligible?
USDA loans require no down payment and are designed for low- to moderate-income homebuyers.
6 min read Jul 01, 2025 -
What to do when your mortgage forbearance period ends
Here are options if your mortgage forbearance plan is expiring.
4 min read Jul 01, 2025 -
Best small-cap ETFs in July 2025
Small-cap ETFs give you a way to buy the small-cap “haystack” rather than search through it for the high performers.
3 min read Jul 01, 2025 -
Best brokerage account bonuses in July 2025
Have some extra cash you want to invest? Brokerages are rewarding new clients.
5 min read Jul 01, 2025 -
Excise tax: What it is and how it works
Excise taxes apply only to specific products. They may be charged either as a percentage of a sale or on a per-unit basis.
3 min read Jun 30, 2025 -
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.
8 min read Jun 30, 2025