Kensington Financial

The firm provides investment advisory and financial planning services to individual clients, focusing primarily on portfolio management and occasional generic guidance on taxes, estate planning, college funding, and insurance where appropriate. It constructs diversified portfolios using stocks, bonds, mutual funds, trust deeds (mortgages), fixed‑rate annuities, limited partnerships, commodities, and cash equivalents, and refers clients to specialists when matters exceed its expertise.

The adviser emphasizes long‑term asset allocation rather than market timing or frequent security selection, typically executing one to three trades per client per year and relying heavily on low‑cost index funds. Accounts are managed on a non‑discretionary basis — the adviser asks for client permission before placing trades, notes that clients follow recommendations over 90% of the time, and maintains a limited power of attorney only to place trades when authorized.

What is distinctive about the firm is its billing model and client capacity: it charges fixed quarterly flat fees rather than a percentage‑of‑assets schedule and does not charge performance fees, an arrangement that differs from many independent peers. The firm also reports managing substantial assets for a small client roster, signals it is not accepting new clients, and favors a defensive allocation (commonly about 60–70% in bonds/cash and 30–40% in stocks) along with holdings such as trust deeds that are less common among similar advisors.