Kilcullin Financial Life Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$65,730,285
Total clients
96
64% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
96
Average account size
$684,690
About
Kilcullin Financial Life Planning provides financial planning and investment consultation to individual clients and families across a range of wealth levels. The firm’s services include retirement and college funding analysis, cash flow and debt management, risk and estate planning, investment consultation, and assistance coordinating implementation with other professional advisors and held‑away accounts.
Investment recommendations are based on fundamental analysis and portfolio construction using Modern Portfolio Theory, emphasizing diversified, tax‑efficient, low‑cost mutual funds, ETFs, and fixed‑income holdings with periodic rebalancing. Portfolio management is provided on a nondiscretionary basis, requiring client pre‑approval for investment decisions so clients retain final authority over trades and implementation.
Compared with many independent advisers, the firm manages most reportable client assets nondiscretionarily and also offers periodic complimentary educational seminars and workshops—features that are relatively uncommon among peers. The firm’s practice emphasizes client control, education, and coordination with outside professionals rather than discretionary trading or performance‑based arrangements.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General retirement planning
Retirement withdrawal strategies
Fee options
Flat annual fee for ongoing financial planning and portfolio management services ranging from $1,500 to $20,000 per year
$225 per hour billed in 15-minute increments
Fee-only: Flat annual fee ranging from $1,500 to $20,000 per year, charged quarterly in arrears; hourly fees at $225 per hour for limited financial planning engagements
Main office location
Kilcullin Financial Life Planning, LLC
Moscow Mills MO, United States
Number of offices
2
Most active in
Kilcullin Financial Life Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Illinois · Louisiana · Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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