KFICO, LLC Registered Investment Advisor

KFICO serves individuals (including high‑net‑worth clients), personal trusts and estates, corporations, and nonprofit organizations, providing discretionary portfolio management, financial planning and consulting, and access to managed account programs. Implementation options include diversified mutual funds, exchange‑traded funds, individual securities and insurance products such as annuities and life insurance offered through insurance companies.

The firm’s investment approach emphasizes active asset management with a focus on asset allocation, portfolio design, sub‑advisor selection and risk management, and is generally long‑term oriented while allowing shorter‑term trades when client objectives or market conditions warrant. KFICO applies an internal due‑diligence process when selecting investments and may incorporate Defined Outcome ETFs and cash or annuity positions as part of portfolio construction.

Noteworthy features include the firm’s affiliation with insurance activities: employees act as insurance representatives and may receive commissions from insurance and annuity sales, a relationship the brochure discloses as a potential conflict of interest. The firm also highlights an expanded product lineup (including Defined Outcome ETFs and annuities), offers a range of planning fee arrangements (hourly and negotiated fixed fees), and requires use of firm‑recommended custodians while not accepting custody of client assets itself.