KMB Wealth Management, LLC

The firm provides investment advisory services to individuals, high‑net‑worth individuals and small businesses through a wrap fee investment program that combines financial planning, portfolio management and brokerage transactional services. The program is generally intended for clients with at least $75,000 of investible assets, although the firm may accept smaller accounts at its discretion.

Portfolios are typically managed on a discretionary basis using a Core + Satellite approach that blends indexed mutual funds and ETFs as the portfolio core with actively managed satellite positions; written investment guidelines are developed from each client’s risk profile and objectives, with ongoing monitoring and periodic rebalancing. Financial planning is integrated into the engagement and may include retirement, tax, estate, education and divorce planning, with performance and account reporting provided on a quarterly basis using custodian-generated reports.

Noteworthy distinctions include the firm’s role as sponsor of its wrap fee program — a structure that is uncommon among peer independent advisors — and a requirement that wrap accounts be custodied on a specific independent broker‑dealer platform where the firm and any sub‑advisors receive portions of the wrap fee. Operating as a small practice (about $5.4 million in assets under management and nine client accounts), the firm discloses potential conflicts when an associate serves as portfolio manager or sub‑advisor and documents policies to manage those conflicts; the firm also does not vote client proxies, leaving voting and related corporate actions to account holders.