KFICO, LLC Registered Investment Advisor

KFICO provides discretionary portfolio management and financial planning to individuals, high‑net‑worth clients, trusts and small businesses, managing roughly $47 million in client assets across about 104 accounts with a two‑person advisory team. Services include customized portfolios built from mutual funds, ETFs, individual securities and annuities, as well as oversight of managed‑account programs through unaffiliated money managers and ongoing financial planning engagements.

The firm follows an active asset‑management process that emphasizes five components — asset allocation, portfolio design, sub‑advisor selection, portfolio construction and risk management — and seeks long‑term results while retaining the flexibility to trade or reallocate positions as client objectives or market conditions change. KFICO applies an internal due‑diligence process to select investments, implements client investment policy statements, and monitors accounts through custodians (it does not accept custody of client assets).

KFICO’s brochure discloses a notable emphasis on insurance‑related business: the firm has expanded its product set to include Defined Outcome ETFs and annuities, and employees serve as insurance representatives who may receive commissions from insurance sales separate from advisory fees. The firm also offers financial planning and managed‑account oversight and discloses client education activities such as seminars or workshops, which is less common among peers of its size.