Kubo Financial Planning and Investments, LLC

Kubo Financial Planning and Investments, LLC is an independent registered investment adviser managing roughly $31 million for a small, concentrated client base of individuals, high‑net‑worth clients, charitable organizations, businesses and retirement plans. The firm provides discretionary and non‑discretionary investment management, written financial planning, and retirement plan advisory services.

The firm favors a long‑term, goals‑based asset allocation process implemented primarily with low‑cost mutual funds and ETFs, while also employing individual stocks, bonds and options when appropriate and using fundamental and cyclical analysis to inform security selection. Portfolios are rebalanced as needed and the adviser may transact on shorter time horizons to meet cash needs or respond to market conditions; the brochure also discloses that the firm may use borrowing (margin) within separately managed accounts, which it treats as an additional risk factor.

Compared with many solo independent advisers, Kubo provides retirement plan and pension consulting services — including IPS design, benchmarking, participant education and the ability to serve in ERISA fiduciary capacities — and counts pension or profit‑sharing plans among its clients. The firm also accepts performance‑based compensation for qualified clients and maintains institutional custodian relationships that supply trading and reporting platforms, resulting in a highly concentrated adviser‑to‑client practice combining both plan‑level and individual services.