Kilter Group

Kilter Group serves individuals (including high‑net‑worth clients), foundations, trusts, estates, corporations and charitable organizations, offering discretionary and non‑discretionary portfolio management, financial planning, and pension consulting for plan sponsors. The firm also provides access to estate‑planning document creation through an unaffiliated third‑party platform and arranges sub‑advisor relationships and retirement plan services as part of its advisory offerings.

The firm’s investment process emphasizes a macro‑environmental, tactical asset‑allocation approach with sector rotation and a relative growth/value framework, constructing portfolios from mutual funds, ETFs, individual equities, alternatives and fixed income. Kilter Group uses a third‑party risk‑analysis tool (Nitrogen) and an online planning portal to quantify client risk scores and align strategies, and it may allocate portions of client accounts to independent managers when appropriate.

Compared with many peer teams, Kilter Group operates an uncommon multi‑office footprint for its size (seven offices) and combines investment advice with several atypical ancillary services, including a digital estate‑document offering via Wealth.com, an affiliated non‑investment consulting entity for business owners, and an insurance brokerage. The firm also discloses use of certain third‑party AI/machine‑learning tools and maintains a promoter arrangement with an external RIA for workplace retirement accounts, matters it addresses through vendor due diligence and conflict‑of‑interest disclosures.