Kirtland Financial Management, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$380,007,089
Clients
201
46% high-net-worth
Advisors
1
of 3 employees
Firm type
Supported
1-4 advisors or >$200M in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
201
Very HighAverage account size
$1,890,583
About
Kirtland Financial Management provides investment advisory and financial planning services to high‑net‑worth individuals, their families, charitable organizations, and retirement plans. Services include portfolio management for individual clients as well as tailored financial planning delivered on both discretionary and non‑discretionary bases.
The firm emphasizes an integrated, long‑term planning approach that examines a client’s income, household expenses, assets and liabilities to shape recommendations and an Investment Policy Statement when assets are managed discretionary. Portfolios are implemented using diversified allocations of equities, fixed income and investment‑company products and may be managed directly or through selected third‑party portfolio managers and wrap‑fee programs.
Kirtland is notable among peers for managing a relatively large asset base for a small advisory team and for the firm’s principal also being a registered representative of a broker‑dealer and a licensed insurance agent — relationships the firm discloses as potential conflicts when commissionable products or insurance are recommended. The firm has operated as a registered investment adviser since 1999 and emphasizes CFP‑level planning and ongoing compliance and monitoring practices.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
College savings (529s, UTMA, etc.)
Retirement plans for business owners (SEP, solo 401k)
Retirement income strategy
Wealth management
General estate planning guidance
Occupation focus
Founder/Business Owner
Executive
Fee options
$0 - $999,999: 1.00% annually $1,000,000 - $2,000,000: 0.90% annually $2,000,001 - $3,000,000: 0.80% annually $3,000,001 - $4,000,000: 0.70% annually $4,000,001+: Negotiable
$250 per hour for financial planning services
Account minimum: $500,000 Fee-only: $250 per hour for financial planning services
Main office location
Kirtland Financial Management, Inc.
100 Almeria Ave, Suite 302
Coral Gables FL 33134, United States
Number of offices
1
Most active in
Kirtland Financial Management, Inc. has reported serving >5 clients in these states in the last 12 months.
Florida · Georgia · Louisiana · New Hampshire · New York · North Carolina · Tennessee · Texas · Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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