Kirby Financial Associates, LLC

Kirby Financial Associates is a small, registered investment adviser that serves individuals, trusts, estates and charitable organizations by providing investment advisory services through referrals to an unaffiliated third‑party investment adviser. The firm meets with prospective clients to review portfolios, objectives and risk tolerance and provides the third‑party adviser’s disclosure materials and a solicitor disclosure describing the referral arrangement.

The firm does not provide in‑house portfolio management, custody, or discretionary trading; instead it relies on the third‑party manager for securities analysis and implementation, with that manager typically using mutual funds. The adviser is compensated through a portion of the fee paid to the third‑party manager for solicited clients, and the principal also operates as a licensed insurance agent who spends a substantial portion of time on insurance activities, disclosures the brochure identifies as potential conflicts of interest.

Distinctive features for a solo adviser include operating primarily as a solicitor to an external manager rather than managing assets internally and the high time allocation to insurance sales alongside referral services. The firm also discloses that it does not accept performance‑based fees, does not have custody, and does not vote proxies on clients’ behalf, leaving implementation and custodial arrangements to the recommended manager.