Kirchner Financial Group

Kirchner Financial Group is a small independent registered investment adviser managing about $15.9 million across roughly 29 client accounts and operating as a solo practitioner. The firm offers ongoing portfolio management and prepares written investment policy statements tailored to each client, principally serving individual investors with an emphasis on high‑net‑worth clients rather than non‑HNW retail households.

The firm typically acts with discretionary authority, implementing clients’ investment policies through a combination of charting, fundamental, quantitative and technical analysis and primarily recommending equities; its strategies may include long‑term trading and the use of margin. Trades are executed through a required custodian relationship with Schwab Institutional, and accounts are reviewed monthly with custodial account reporting provided to clients.

Notable distinctions in the brochure include a settled regulatory proceeding involving the firm’s principal in 2022 that resulted in a civil penalty and a temporary suspension, an uncommon disclosure for firms of this size. The brochure also discloses the principal’s insurance‑licensing activity (which the firm notes can create potential conflicts of interest) and a client base concentrated among high‑net‑worth individuals, both of which set the firm apart from many peers.