K
Kessler Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Kessler Financial Services operates as an investment manager serving pension and profit‑sharing plans, trusts, estates, charitable organizations, corporations and business entities, and provides advisory services that include financial planning, investment advice and the sale of annuities, insurance and other commissioned products. The firm’s brochure also describes work on tax, estate and cash‑flow planning and delivery of net worth statements and periodic plan reviews.
The firm describes a strategic asset‑allocation approach with globally diversified portfolios and uses multiple analysis methods (fundamental, technical, charting and cyclical analysis) and third‑party research sources to form recommendations. Kessler Financial Services does not accept custody or discretionary trading authority for client accounts; implementation and trade execution are handled through custodians and recommended providers and clients maintain control of assets.
What is distinctive for an investment‑manager–type firm is the mix of client compensation and industry affiliations: the brochure discloses commissions and fixed or hourly charges rather than a typical percentage‑of‑AUM model, and notes affiliations with product sales firms and a related broker‑dealer through which employee trades are reviewed. The firm’s Brochure Supplement also discloses real‑estate brokerage and insurance activities and additional compensation from real‑estate services, which are less common among firms in this category.
Client services
Financial planning
Expertise
Annuities
General retirement planning
General tax planning
College savings (529s, UTMA, etc.)
Fee options
Fixed fees for financial plans starting at $500; Retainer Agreements are fixed fees, minimum $500 and negotiable
Receives commissions from sales of annuities, insurance, stocks, bonds, mutual funds, limited partnerships
Hourly rate for limited scope engagements is $200 per hour; follow-on implementation work billed at $200 per hour
Minimum fee: Minimum fee for a financial plan is $500; Retainer Agreement minimum annual fee is $500 and negotiable
Main office location
Kessler Financial Services
31 East Julian Street
San Jose CA 95112, United States
Number of offices
1
Most active in
Kessler Financial Services has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Discover
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")