Kelos Wealth Planning, LLC

Kelos Wealth Planning, LLC is an independent, fee‑only registered investment adviser that offers comprehensive financial planning and discretionary wealth management to individuals (including high‑net‑worth clients), corporations and certain retirement and profit‑sharing plans. The firm provides ongoing portfolio management and written or digital financial plans and, like many independents, focuses on longer‑term advisory relationships rather than transactional brokerage.

Investment implementation centers on diversified portfolios constructed from mutual funds and ETFs using asset allocation, tactical allocation, fundamental analysis and elements of modern portfolio theory, with the option to integrate separately managed accounts and third‑party sub‑advisers accessed through the Charles Schwab Advisor Services platform. The firm retains discretionary authority for day‑to‑day trading consistent with client objectives, documents client goals and restrictions up front, and conducts at least annual reviews of client accounts and plans.

Noteworthy for a very small independent firm, Kelos was recently formed and currently reports no assets under management, yet operates as a formally organized LLC with an identified managing member and chief compliance officer and an established Code of Ethics and written policies—features that differentiate it from many sole‑practitioner setups. The adviser is fee‑only and does not accept third‑party compensation, and its lead advisor holds CFP® certification and an insurance license that the firm discloses is not used to sell insurance products.