Kamko Financial

The firm offers discretionary asset management and financial planning services to a range of clients, including individuals, high‑net‑worth individuals, trusts, non‑profits, small businesses and estates. Services include ongoing portfolio management, one‑time and ongoing financial planning, and implementation of investment programs under a discretionary advisory agreement.

Investment decisions are implemented using a mix of fundamental, technical, cyclical analysis and modern portfolio theory, with the firm exercising discretionary trading authority for client accounts. When appropriate, the firm hires sub‑advisors and may subscribe to third‑party model portfolios on its custodian platform to implement or overlay investment strategies; those sub‑advisors maintain the investment models and execute trades on client accounts.

What distinguishes the firm from many peers is its explicit use and selection of other advisers: it retains full discretion to hire and terminate sub‑advisors, and sub‑advisor fees are included within the firm’s overall fee arrangement, a practice the brochure identifies as a potential conflict of interest addressed by disclosure and fiduciary procedures. The firm also requires use of a specific custodial and model marketplace platform and discloses that the principal maintains a significant outside accounts‑receivable role (approximately 90% of their time) and that, at the time of filing, no client assets were under management.