KMH works under a fiduciary standard that requires its professionals to consider what is in their clients’ best interests. Many people call themselves “financial advisors” and “financial planners,” which does not mean they are operating as fiduciaries.
Banks, brokers, fee-based financial advisors, insurance companies, and trust companies offer “advice” to clients which usually translates into “selling” the client a product. Commissions are derived from the sale of these products. Because of the conflict of interest inherent in these transactions, these advisors may have difficulty putting the client’s best interest above their own.
KMH offers its financial planning and investment advisory services on a Fee-Only compensation basis, no commissions are paid to KMH. This compensation philosophy allows the firm to recommend products from the universe of investment options that the firm believes are in the best interest for a client’s situation. The Fee-Only philosophy minimizes conflicts of interest and maximizes the fiduciary standard. We are an independent financial planning firm that allows us to make decisions based specifically on each client versus meeting goals set by a corporate office.
We partner with you to build a personalized financial plan and recommend an appropriate investment strategy that aligns with your core values and unique life goals. Situations can change in a client’s life. We will discuss these life changes with you and update your plan as necessary. Several of our multi-generational clients, that span four generations, have and continue to experience life changes. Years of complex financial and estate planning is necessary to preserve their legacy.
We believe any person needing financial planning and investment advice deserves competent and objective advice from professionals that are held to professional standards. The CERTIFIED FINANCIAL PLANNER™ Professional or CFP® marks and the AICPA Personal Financial Specialist (PFS) designations denote individuals who are educated in a variety of financial topics. The Certified Public Accountant (CPA) designation denotes a licensed professional with extensive education, experience and high standards while providing accounting services. The Chartered Financial Analyst (CFA) credential sets the standard as the most highly respected designation in the investment management profession.
These designations differentiate from anyone who calls themselves a “financial advisor” without any professional standards or certifications. Our professionals holding these designations must meet annual continuing education requirements and are held to a fiduciary standard of care which requires that an adviser acts solely in the best interest of the client. Finding the best investment alternatives with lower expenses when possible.
Financial planning is the process of meeting your life goals through the proper management of your finances. Through our experience, we feel this planning process is better served through professionals meeting these rigorous requirements.
KMH Wealth Management, LLC is registered with the Securities and Exchange Commission (SEC) as an investment advisor. Registration does not imply a certain level of skill or training.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.