Kiddos Capital

Kiddos Capital focuses on parents saving for college through a membership-based model, offering both financial planning and portfolio management for individual clients alongside services that leverage the community to obtain investments, insurance, and student loan arrangements. Its service menu includes ongoing and project-based financial planning, investment advisory, and facilitation of third‑party professional referrals.

The firm emphasizes customized, tax-aware portfolios and may use direct indexing with tax‑loss harvesting via a third‑party platform to tailor holdings and manage after‑tax outcomes; it also offers socially responsible screening when requested. Kiddos recommends and monitors outside managers for portions of client portfolios and conducts lender auctions on behalf of members to seek more favorable student‑loan terms.

Kiddos operates as a fee‑only adviser using a mix of fee arrangements — including fixed and hourly planning engagements alongside asset‑based portfolio management — a combination that is uncommon for advisors in its regulatory peer set. As a recently formed practice built around a community/membership approach focused on college funding, it does not serve as a private fund adviser, and its lender‑auction service and direct‑indexing tax workflows are notable differentiators compared with typical small advisory firms.