Windermere, FL Office

Koss Olinger serves individuals, families, charitable entities, trusts, estates, pension and profit‑sharing plans, and business clients with integrated wealth management and financial planning services. The firm offers both discretionary and non‑discretionary portfolio management, comprehensive financial planning, advice on a range of investment types (including mutual funds, ETFs, bonds, stocks, closed‑end and private investments), and may recommend third‑party money managers and insurance or annuity products through affiliated firms.

The firm follows a structured, client‑centered planning process called The Wealth Navigator System™, which uses phased steps (Engagement and Discovery™, Critical Factors Analysis™, Breakthrough Game Plan™, Implementation Solution™ and ongoing Wealth Manager™ oversight) to develop customized plans. In managing portfolios it employs fundamental, technical and managerial analysis across horizons (long‑term, short‑term, trading) and uses strategies that can include options (primarily covered calls), customized allocations, and private assets while documenting material risks.

What is distinctive about Koss Olinger relative to many peers is its scale and selectivity: the brochure reports over $2.2 billion in assets under management and the firm generally expects new clients to have at least $2 million in investable assets or $5 million in net worth. The firm also emphasizes proprietary planning tools (Legacy Optimizer™, Secure Retirement Maximizer™, TOPS™, Business Sale Evaluator™) and discloses the use of hypothetical performance in its materials, and it maintains affiliations with a broker‑dealer and insurance agency that can result in commissions for some supervised persons—conflicts that the brochure describes and addresses.