Rhinebeck, NY Office

Kilter Group is an SEC-registered investment adviser that serves individuals (including high‑net‑worth clients), foundations, trusts, estates, corporations and pension/retirement-plan sponsors. The firm offers discretionary and non‑discretionary portfolio management, financial planning, pension consulting, access to estate‑planning document creation through a third‑party platform (Wealth.com), and will allocate to independent sub‑advisors when appropriate.

The firm describes a top‑down, macro tactical asset‑allocation approach with sector rotation and a relative growth/value framework, allocating among mutual funds, ETFs, alternatives, and individual equity and debt securities; portfolios can be actively managed or based on pre‑built models. Kilter Group uses a third‑party risk‑profiling tool (Nitrogen) to quantify client risk tolerance, may delegate portions of portfolios to Managers, and discloses use of third‑party AI and machine‑learning tools (including generative AI) for administrative and analytic support subject to human review.

Notable features for a team firm include a relatively large scale and multi‑office footprint — about $277 million in AUM, seven advisors, and seven offices — which the brochure identifies as less common among peers. The firm also highlights integrated, technology‑enabled offerings (advisor read‑only access to client estate documents via Wealth.com, an online financial‑planning portal, and explicit ERISA/pension fiduciary consulting) and discloses related affiliations (an insurance brokerage and a separate consulting entity) and the resulting conflicts of interest.