T.K.M. Financial Services, LLC

The firm provides fee-based comprehensive financial planning and discretionary investment advisory services to individuals, high-net-worth clients, business owners and charitable organizations. Planning offerings include retirement income planning, stock-option analysis, educational planning and business succession planning (including business valuation services), with clients able to engage the firm for implementation of recommendations.

In managing portfolios the firm documents an Investment Policy Statement for each account, conducts periodic reviews and rebalancing, and generally emphasizes long-term purchase strategies while also using options strategies where appropriate. Trades are executed through Charles Schwab with use of limit and aggregated block orders when suitable, and the firm’s disclosures explicitly address emerging asset classes such as cryptocurrencies in its risk analysis.

Several operational features distinguish the firm from many peers: the principal is licensed to sell life, disability, long-term care and health insurance and the firm may receive and disclose commissions on insurance sales; the firm also engages in other financial-product activities including publishing and operating a radio program and a podcast called “A Nickel and a Plan,” which may generate advertising revenue. The brochure further discloses referral/solicitor arrangements with third parties and that the firm rents space from an affiliated real estate entity, relationships it identifies and discloses as potential conflicts of interest.