A complete list of active advisors currently associated with KJH Financial Services
Warmer can help you find a great advisor at KJH Financial Services or one who fits your needs even better.
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.
To learn more about the advisors currently working at KJH Financial Services, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.
Name |
Location |
Years of experience |
|---|---|---|
Needham, MA
| 19
|
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