KJH Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides fee-only financial planning for individuals, couples, high-net-worth clients, trusts, related small businesses and retirement plans, addressing topics such as cash flow and budgeting, tax planning, risk review, education and retirement planning, estate and charitable planning, special needs issues, and family business succession. Services are delivered on an hourly, project, or retainer basis with sessions in person, at clients’ homes, by phone, or online; there are no ongoing contracts and clients are invoiced after each session.
Investment guidance is consultative and educational rather than discretionary portfolio management: the firm does not take custody of client assets or accept authority to trade, and clients are responsible for implementing recommendations. The investment philosophy emphasizes long-term, buy-and-hold strategies grounded in Modern Portfolio Theory, broad diversification using low-cost no-load mutual funds and ETFs for core holdings, and periodic rebalancing rather than market timing.
Notably, the firm departs from common independent-adviser practice by not providing portfolio management for individuals and by not charging percentage-of-AUM fees, relying instead on hourly, fixed-fee, and retainer arrangements under a NAPFA-aligned code of ethics. The principal holds CFP®, CRPC®, and ADPA® credentials, has taught financial planning courses, does not receive third-party commissions, and typically refers clients to retail discount brokers for execution, reflecting a consulting-focused model without custody or discretionary authority.
Client services
Expertise
Occupation focus
Fee options
Fixed fees, specific amounts not stated, fees negotiable
Hourly charges, specific rates not stated, fees negotiable
Retainer fees offered, specific amounts not stated, fees negotiable
Fee-only: Fee-only financial planning via hourly charges, fixed fees, and retainer; all fees are negotiable
Main office
Needham MA
Advisors at this office
1
Most active in
Massachusetts
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Forms ADV
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