San Diego, CA Office

Kachkovsky & Fisher provides investment management, financial planning, and retirement‑plan consulting to individuals, high‑net‑worth clients, families, trusts, corporations, and employer-sponsored pension and profit‑sharing plans. The firm offers both discretionary and non‑discretionary portfolio management alongside stand‑alone or bundled financial planning, and typically requires a minimum account size while allowing exceptions on a case‑by‑case basis.

The firm’s investment approach emphasizes strategic asset allocation, broadly diversified portfolios using no‑load, low‑cost mutual funds and ETFs, and tax‑aware implementation (including asset location). Kachkovsky & Fisher conducts periodic rebalancing and at least annual reviews with clients, tailors portfolios to individual risk tolerance, liquidity needs and tax situations, and communicates via regular reviews and market commentary.

Compared with peers, Kachkovsky & Fisher is notable for sponsoring a wrap‑fee program — its brochure states that investment management services are offered only through wrapped accounts — and for detailed custody procedures (including standing letters of instruction) that relate to handling third‑party transfers and arrangements associated with managed accounts. The firm is a small, CFP‑led ownership team that also provides ERISA‑related retirement plan consulting, accommodates client investment restrictions and socially responsible investing preferences, and uses Raymond James as its primary custodian and execution partner.