Red Kennedy Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Red Kennedy Financial provides personalized, fee‑only financial planning and advisory services to individuals, families, and small businesses, and also offers pension consulting and 401(k) fiduciary advisory services for employer plans. Services include comprehensive written financial plans, retirement and tax planning, investment advice, and separate tax‑return preparation engagements.
The firm delivers detailed written plans and periodic reviews while clients retain custody and implement recommended actions; it does not accept discretionary trading authority or act as a custodian. Investment advice emphasizes a globally diversified, passive index approach using no‑load or low‑cost mutual funds and ETFs, with recommendations tailored to each client’s stated objectives.
Notable distinctions include a billing model focused on flat fees and retainers rather than the more common percentage‑of‑AUM structure, and a practice model that is primarily non‑discretionary — both of which are uncommon among independent advisers. The firm also explicitly provides pension consulting and a 401(k) fiduciary service with participant access and a focus on low‑cost index options, and holds affiliations with fee‑only planning networks and CFP coursework credentials.
Client services
Expertise
Occupation focus
Fee options
Flat fees ranging from $4,500 to $8,500 based on investable assets; retainer agreement initial fee $2,500; tax preparation billed separately from $850 to $2,500
$250,000 - $1,000,000: Flat fee $4,500 $1,000,000 - $2,500,000: Flat fee $6,500 $2,500,000 - $4,000,000: Flat fee $8,500 $4,000,000+: $8,500 plus 0.20% of assets exceeding $4 million
Hourly rate of $350
Minimum fee: Minimum fee is $5,500 for first year clients, adjustable if client’s asset level is below $500,000 Fee-only: Fee-only financial planning, no commissions received
Main office
Littleton MA
Advisors at this office
1
Most active in
Massachusetts
Also doing business as
Aeolus Financial · Holzbach Robert · Holzbach Robert William · Red Kennedy Financial
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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