Joseph P. Kirlin III & Associates

The firm provides fee-only financial planning, investment consultation, educational workshops, and investment supervisory services to individuals, trusts, estates and businesses, though its Form ADV states the firm currently reports no client assets under management. Planning and consulting engagements are often modular or hourly, while supervisory arrangements are offered for clients who request implementation assistance.

The firm generally takes a long-term investment perspective, using a mix of passive (index) holdings and selected active managers, applying fundamental analysis and an emphasis on diversification across mutual funds, ETFs, individual securities and, where appropriate, private equity or real estate. Supervisory services are non‑discretionary—clients must authorize transactions—and the brochure indicates about half of the firm’s time is devoted to non‑securities advice such as budgeting, insurance and estate considerations.

Noteworthy in the ADV is that the firm’s principal maintains broker‑dealer registrations and ongoing activity as an insurance broker/agent and has prior affiliations with insurance companies, and the brochure discloses the potential for remuneration when insurance products are placed. The firm also offers pro bono educational workshops and explicitly declines to vote client proxies, which together with its stated lack of assets under management distinguishes it from many firms classified as investment managers.