Kipling & Co.

The firm works with individual households and small businesses (fewer than 100 employees) to provide fee-only financial planning and portfolio management focused on retirement, insurance, tax-related planning, and estate-plan coordination; it does not prepare legal or tax documents or provide formal tax or legal advice. Services are delivered on a fee-for-service basis and may be implemented through recommended custodians to hold client assets.

The firm develops recommendations through direct discussions rather than a formal risk-tolerance questionnaire, favoring long-term, low-cost investments and minimal trading to manage risk. It advises on assets clients already hold, can trade discretionary accounts, and generally avoids recommending derivatives, margin, options, or hedge fund strategies.

Compared with many peers, the firm is a small solo practice with a modest number of clients and assets under management and uses both asset-based and hourly billing structures with billing by fractional time increments and referral credits. The adviser encourages custody at particular custodians to facilitate review, provides only meeting summary emails rather than regular account reports, and is self-supervised while maintaining a written Code of Ethics and a stated fiduciary duty.