Kaul Financial Solutions

Kaul Financial Solutions provides project-based financial planning and tax preparation services to individuals (including high-net-worth clients), sole proprietors, and small businesses. Financial planning engagements are delivered on a one-time, non-discretionary basis and tax returns are prepared by an IRS‑enrolled tax professional under separate engagement agreements.

When making investment recommendations the firm generally favors passive strategies informed by Modern Portfolio Theory, typically recommending diversified mutual funds and ETFs to implement asset allocation. The firm does not manage client assets or accept custody, and it charges hourly or fixed project fees rather than percentage-of-assets (AUM) fees; recommendations are implemented at the client’s direction without ongoing portfolio management unless a new agreement is signed.

The brochure discloses that the firm’s principal also maintains outside roles—serving as a financial wellness advisor for another advisory firm and as a course facilitator at an industry college—which are presented as separate from the firm’s engagements and account for a substantial portion of professional time. The firm also notes the use of client testimonials in its advertising and explicitly states it typically does not provide ongoing account reviews, practices that are less common among independent advisory peers and may affect prospective clients’ expectations about ongoing service and implementation support.