Kilner Capital Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Kilner Capital Advisors, LLC is a registered investment adviser managing approximately $336.7 million for about 230 clients, including individuals, high-net-worth households, qualified retirement plans, trusts, and small businesses. The firm provides discretionary portfolio management alongside broader wealth-planning services such as retirement, education, estate, tax and cash-flow analysis and plan design.
The firm’s investment approach is grounded in Modern Portfolio Theory and a buy-and-hold asset-allocation philosophy, typically implemented with passively managed, asset-class mutual funds and ETFs (notably Dimensional Fund Advisors and AQR funds), model portfolios, and occasional conservative fixed‑income allocations. Kilner Capital uses tools such as Monte Carlo simulations to inform asset allocation and will retain legacy individual equities when disposition would create overriding tax consequences.
A distinctive feature is that the firm also offers tax consulting, tax‑preparation and accounting consulting in addition to investment advisory services, and its manager is a Certified Public Accountant—an arrangement that can allow closer integration of tax and investment planning than is typical for supported advisers. The firm also maintains a formal continuity arrangement with an outside successor advisor to provide interim portfolio management in the event of the manager’s death or prolonged incapacity.
Client services
Expertise
Fee options
$0 - $199,999: 1.85% $200,000 - $499,999: 1.25% $500,000 - $999,999: 1.00% $1,000,000 - $1,999,999: 0.90% $2,000,000 - $2,999,999: 0.80% $3,000,000 - $3,999,999: 0.70% $4,000,000 - $4,999,999: 0.60% $5,000,000+: 0.50% on first $5,000,000; 0.35% on value over $5,000,000 (tiered)
Account minimum: $1,000,000
Main office
438 N. Frederick Ave., Suite 465
Gaithersburg MD 20877
Advisors at this office
2
Most active in
District of Columbia · Florida · Louisiana · Maryland · North Carolina · Pennsylvania · Virginia
Also doing business as
Financial Resources Group · Kilner Capital Advisors, LLC · Kilner Financial Group, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Joseph K
Series 63, Series 65
Gaithersburg, MD
Kilner Capital Advisors, LLC
Joseph Kilner is a financial advisor at Kilner Capital Advisors, LLC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at his current firm since 2014, following a prior role at American General Securities Incorporated. Kilner Capital Advisors, LLC manages approximately $336.7 million for around 230 clients, including individuals, high-net-worth households, retirement plans, trusts, and small businesses. The firm employs a buy-and-hold asset allocation strategy based on Modern Portfolio Theory, primarily using passively managed mutual funds and ETFs, and offers comprehensive wealth-planning services along with tax consulting and accounting support.
Melinda W
Series 65
Gaithersburg, MD
Kilner Capital Advisors, LLC
Melinda Wiedel is a financial advisor at Kilner Capital Advisors, LLC with 18 years of industry experience. She holds a Series 65 designation and has been with Kilner Capital Advisors for 12 years before joining Apella Wealth in 2026. Kilner Capital Advisors, LLC manages approximately $337 million for around 230 clients, including individuals, high-net-worth households, retirement plans, trusts, and small businesses. The firm uses a buy-and-hold asset allocation strategy based on Modern Portfolio Theory, primarily utilizing passively managed mutual funds and ETFs, and offers integrated wealth planning alongside tax consulting and accounting services.
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