CKHFinancial LLC

CKHFinancial LLC is a small, independent fee‑based registered investment adviser that provides financial planning, hourly consultation, and ongoing investment management to individuals (including high‑net‑worth clients), businesses, and charitable organizations. The firm reports managing roughly $3.6 million across about 70 client relationships and offers project‑based planning and consultative engagements in addition to continuous portfolio oversight.

The firm’s investment process is individualized and emphasizes broadly diversified allocations across mutual funds, ETFs, individual equities, and fixed‑income securities, with portfolios monitored regularly and formal client reviews at least quarterly. Engagements begin with a data‑gathering process to set objectives and risk tolerance and may be implemented with limited discretionary authority or on a non‑discretionary basis; the firm typically uses Charles Schwab & Co. for custody and may recommend or co‑manage assets with unaffiliated investment managers.

Noteworthy distinctions include that the firm’s principal is separately licensed as an insurance agent and may recommend insurance products in that separate capacity, a practice the ADV discloses as a potential conflict of interest with commission compensation and describes mitigation and disclosure procedures. The brochure also discloses other outside activities (tax‑preparation services and adjunct teaching) and a recent material change reporting a court‑ordered payment in a dissolution proceeding, all of which are documented in the firm’s ADV materials.