KO Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$15,557,000
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
65
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
65
HighAverage account size
$239,338
About
KO Financial is a solo-registered investment adviser that serves primarily individual clients while also advising corporate pension and profit‑sharing plans and other institutional clients; the firm manages roughly $19 million for about 65 clients. Services include discretionary and non‑discretionary asset management, written financial planning, and retirement‑plan consulting and fiduciary support.
The firm builds tailored portfolios using modern portfolio theory and asset‑dedication model allocations, monitors accounts regularly, and rebalances to maintain alignment with clients’ stated objectives and risk tolerances; it also drafts and reviews Investment Policy Statements for retirement plans. KO Financial generally recommends Fidelity for custody, provides trade confirmations and periodic performance reports, and communicates with clients through scheduled reviews and as‑needed consultations.
Distinctive for a single‑advisor independent firm, KO Financial maintains a substantive retirement‑plan practice—offering IPS development, fiduciary due‑diligence, benchmarking, participant education, and the option to serve as an ERISA 3(21) or 3(38) fiduciary—which is uncommon among similarly sized peers. The firm’s principal is also a licensed insurance agent with a third‑party broker, spending approximately ten hours per month in that capacity and receiving commissions paid to his corporation when insurance is sold; this concurrent role is disclosed as a potential conflict of interest when insurance products are recommended.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Retirement plans for business owners (SEP, solo 401k)
Occupation focus
Founder/Business Owner
Fee options
Fixed fees for specific financial planning services: $1,200 (specific plan), $2,000 (comprehensive plan); negotiable fixed fee up to $20,000 per year for retirement plan services
$0 - $1,000,000: 1% $1,000,000.01 - $3,000,000: 0.75% $3,000,000.01 - $10,000,000: 0.60% $10,000,000.01+: 0.40%
Insurance products commissions received by IARs and Kevin O’Neil as insurance agent
$300 per hour for hourly financial consulting
Fee-only: Hourly financial advice $300 per hour; Specific financial planning $1,200; Comprehensive financial planning $2,000; Fixed project costs negotiable
Most active in
KO Financial has reported serving >5 clients in these states in the last 12 months.
Virginia
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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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