Bonita Springs, FL Seasons Tide Ave Office

Key Client Fiduciary Advisors, LLC serves individuals (including both non-high-net-worth and high-net-worth clients), retirement plans, trusts, estates, corporations and other business entities, providing financial planning, consulting and discretionary investment management. As of December 31, 2025 the firm reported managing about $896 million in discretionary assets for roughly 2,195 clients and is supported by a team of 10 advisors.

KCFA’s investment process emphasizes fundamental analysis and tailoring portfolios to each client’s objectives, time horizon, liquidity needs and risk tolerance, with ongoing monitoring and at least quarterly account reviews. The firm combines in-house portfolio management with selected Independent Managers, and offers retirement-plan consulting services (including Investment Policy Statement preparation and participant education) as well as written and interactive financial planning reports.

The brochure discloses several operational features that may be material to prospective clients, including a custody and brokerage relationship with Charles Schwab that provides software, trading and research support and certain reimbursement arrangements, authority to directly debit client accounts, and use of standing letters of authorization for transfers. KCFA also discloses a disciplinary event — a $20,000 fine in February 2024 by the New Jersey Bureau of Securities for failure to comply with terms of a supervisory agreement — and notes that some supervised persons are licensed insurance agents who may offer commissionable insurance products, a potential conflict of interest.