KO Financial

KO Financial is a solo-registered investment adviser that serves primarily individual clients while also advising corporate pension and profit‑sharing plans and other institutional clients; the firm manages roughly $19 million for about 65 clients. Services include discretionary and non‑discretionary asset management, written financial planning, and retirement‑plan consulting and fiduciary support.

The firm builds tailored portfolios using modern portfolio theory and asset‑dedication model allocations, monitors accounts regularly, and rebalances to maintain alignment with clients’ stated objectives and risk tolerances; it also drafts and reviews Investment Policy Statements for retirement plans. KO Financial generally recommends Fidelity for custody, provides trade confirmations and periodic performance reports, and communicates with clients through scheduled reviews and as‑needed consultations.

Distinctive for a single‑advisor independent firm, KO Financial maintains a substantive retirement‑plan practice—offering IPS development, fiduciary due‑diligence, benchmarking, participant education, and the option to serve as an ERISA 3(21) or 3(38) fiduciary—which is uncommon among similarly sized peers. The firm’s principal is also a licensed insurance agent with a third‑party broker, spending approximately ten hours per month in that capacity and receiving commissions paid to his corporation when insurance is sold; this concurrent role is disclosed as a potential conflict of interest when insurance products are recommended.