Kadisak Financial Services, Inc.

Kadisak Financial Services provides discretionary investment management and financial planning to individual and trust clients, serving both high-net-worth and non‑HNW households. The firm manages approximately $65.5 million across roughly 77 client relationships and offers supplementary services such as retirement planning, employer retirement plan reviews, and consultations on estate, tax, and insurance matters.

Clients are onboarded with a written Investment Policy and, when requested, a retirement plan that guide portfolio decisions executed through an independent custodian; portfolios are generally built from diversified mutual funds and ETFs rather than managed individual stocks. The firm follows an actively managed, tactical asset‑allocation approach with regular quarterly reviews and rebalancing, making adjustments based on changing market and asset‑class valuations.

Noteworthy operational features include a mandatory Investment Policy as part of onboarding, separate treatment and billing for employer retirement-plan reviews, and a structured program for managing children’s accounts with age‑based rules and special pricing, while operating on a fee‑only basis without accepting commissions. The advisory team is composed of two certified financial planning professionals (including an advisor with an accounting credential), and the firm expressly excludes individual stock positions from its managed portfolio reporting and rebalancing processes.