KMR Financial Advisory, Inc.

KMR Financial Advisory provides ongoing discretionary portfolio management and on‑demand comprehensive financial planning to a small set of clients, including individual and high‑net‑worth investors, trusts, estates, and charitable organizations. The firm reports roughly $9.3 million in discretionary assets under management across 14 client relationships.

Portfolios are built from a comprehensive financial plan and an Investment Policy Statement that documents objectives, volatility ranges, allowable investments, and target asset allocations; the firm applies Modern Portfolio Theory concepts and primarily uses ETFs, mutual funds, bonds and CDs to implement diversified allocations. Client risk tolerances are assessed through scenario‑based discussions and the firm emphasizes continuous monitoring, tax efficiency, and cost minimization when managing portfolios.

Compared with many peers, KMR operates as a very small, fee‑only solo practice while routinely requiring clients to custody assets at a directed broker‑custodian (Altruist) and not aggregating trades across client accounts—practices that can affect execution outcomes versus firms that aggregate orders. The firm also provides frequent client communications (weekly consolidated account emails with commentary plus quarterly comprehensive written reports) and does not vote client proxies, features that stand out for a firm of this size.