CKHFinancial LLC

The firm provides fee-based financial planning, consultation, and ongoing investment management to individuals, high-net-worth clients, businesses, and charitable organizations. It acts as a fiduciary and commonly delivers portfolio management for individual clients alongside project-based planning and hourly consultation engagements.

Advice is individualized and built around long-term, diversified allocations using U.S. and international mutual funds, ETFs, individual equities and fixed income; the firm generally does not engage in market timing and performs internal portfolio reviews at least quarterly. Clients participate in a data‑gathering process to set objectives and risk tolerances, and the adviser may operate with limited discretionary authority or serve as a co‑manager with unaffiliated managers (including a third‑party management platform).

What is noteworthy relative to peers is that the firm’s adviser is separately licensed to sell insurance and may recommend insurance and annuity products in that separate capacity, receiving commissions that are disclosed to clients and are not required as part of the advisory relationship. The adviser also discloses other outside business activities (including tax‑preparation contracting and academic or municipal contracting work) and the firm highlights the use of third‑party managers and co‑management relationships as arrangements that are disclosed and monitored for potential conflicts.