Jacksonville, FL Office

Kabat Advisory Group LLC provides personalized financial planning and consulting to individuals, pension and profit‑sharing plans, trusts, estates and charitable organizations, and serves as an intermediary to third‑party money managers. The firm delivers financial plans on an hourly ($250/hr) or fixed‑fee basis (typically completed within 90 days), holds free educational seminars and workshops for the public, and does not itself manage client assets.

Kabat develops client‑specific strategies using fundamental, technical and cyclical analysis and helps clients complete third‑party manager paperwork, monitor quarterly reports and update managers on client changes; it does not accept discretionary trading authority or custody of client assets. Rather than charging percentage‑of‑AUM advisory fees directly, KAG’s ongoing compensation for managed accounts comes from referral fees and a disclosed incentive arrangement with a third‑party manager (Gradient Investments), while clients placed with TPMs are billed under the TPM’s fee schedule.

What differentiates KAG from many small supported advisers is the firm’s substantial insurance affiliation—each owner is a licensed insurance agent (and two owners devote large portions of their time to those practices) and one owner also practices law—creating additional cross‑disciplinary services and disclosed conflicts of interest. Combined with its free public seminars, its explicit referral/incentive arrangements with TPMs, and its stated refusal to manage or custody client assets directly, KAG’s business model departs from the more common hands‑on, AUM‑based management approach used by many peers.