Your Questions, Answered
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KMB Wealth Management provides fee‑only fiduciary wealth management that integrates financial planning and investment management. The goal is to help clients make confident decisions across their full financial picture. This includes investments, retirement planning, taxes (coordination), cash flow, and long-term goals using a clear, disciplined process.
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Fee‑only means the firm is compensated solely by clients. The firm does not receive commissions, referral fees, or product-based incentives for recommending investments or strategies. This structure is designed to reduce conflicts of interest and support objective advice.
Read more about fees and compensation here.
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A fiduciary advisor is legally required to act in the client’s best interest. In practice, this means recommendations are made with the client’s goals and circumstances as the main priority. KMB Wealth Management strives to provide transparency, suitability, and ongoing duty of care.
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Clients work directly with the firm’s founder and principal advisor, Kevin Boyd throughout the relationship. This provides consistency, direct communication, and an advisory experience built on trust and continuity.
Learn more about Kevin’s background here
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Financial planning focuses on building a roadmap of your goals, priorities, strategies, and recommendations. Wealth management combines planning with ongoing implementation and monitoring, typically including investment management and regular reviews as life changes.
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Recommendations are made using a planning first approach. The firm looks at your goals, timeline, cash needs, risk tolerance, and full financial picture before making investment or strategy recommendations. This allows advice to be personal to you best suited to your situation.
Learn more about KMB Wealth’s process here
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The process typically begins with a conversation to understand goals and determine whether the relationship of a good fit. From there, information is gathered, planning priorities are defined, and a comprehensive plan is developed. Investment decisions are then aligned with that plan and reviewed over time.
The simplest, most straight-forward way to get started is to contact Kevin here. From there, we’ll begin a conversation and determine what type of help is needed.
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Most clients meet on a structured cadence, but depends on the complexity of the financial strategy and stage of life. Most importantly, it depends on each clients preference and needs.
The firm is always available outside of this cadence as life changes occur.
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The firm has a stated minimum of $75,000 in assets in its annually registered ADV brochure.
In certain circumstances, the firm will work with clients below this threshold at its discretion. KMB Wealth is open to helping investors at all stages of life as fit and goals matter most. During the initial conversation, minimum and type of engagement can be discussed if initially below this amount.
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The firm’s primary model integrates planning with investment management to keep decisions coordinated.
KMB Wealth is open to discussing a planning-only relationship, but solely at it’s discretion. Services delivered and compensation required will be negatiated and a written agreement signed by all parties prior to any engagement.
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No. The firm does not earn commissions from insurance or investment products. If insurance needs are identified, the firm can help evaluate coverage and coordinate with an appropriate professional is desired.
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The firm does not provide tax advice or prepare tax returns. However, tax-aware planning, tax-efficient strategies, and coordination are part of the planning process. The firm can work alongside a CPA or tax professional to support implementation.
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The firm tends to be a strong fit for clients who value a disciplined, long-term approach and want a coordinated plan—rather than piecemeal advice or short-term performance chasing.
Additionally, KMB Wealth engages many clients who are working with a Wealth Advisor for the first time. This tends to be high-earning individuals and families who are growing their wealth, but value a trusted partner to help them navigate the complexity that comes with varying stages of life.
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Volatility is normal. The firm’s process is designed to reduce reactionary decisions by grounding investment strategy in the financial plan, time horizon, and risk tolerance. During volatile periods, the focus is often on maintaining discipline, revisiting the plan, and adjusting only when a client’s circumstances or long-term goals change.
KMB Wealth wants to build you a financial plan built intentionally for volatility so you can sleep well. Market turbulence isn’t the time to start planning or make changes. It’s when you feel good that you have a plan and strategy already in place.
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Progress is measured against the financial plan—not short-term market outcomes. That includes tracking goals, savings and cash-flow decisions, retirement readiness, risk alignment, and whether the strategy remains appropriate as life evolves.
If you feel comfortable and satisfied with the direction of your financial life, that’s progress. If are happy to have someone to help guide you through tough decisions and be your sounding board, that’s progress.
KMB Wealth prides itself on bringing comfort and peace of mind to what feel like an overwhelming part of life for many.
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The first step is a conversation to understand goals and determine fit.