KOHR Wealth Management

KOHR Investments, LLC

a Registered Investment Adviser

Welcome to KOHR Investments, LLC - where independent fiduciary investment advisors put your interests first.

As fiduciaries, we're not tied to specific providers or pressured to sell their products. Instead, we offer investment advice and make decisions solely based on our client's best interests. Our commitment to acting for our clients' benefit always sets us apart.

Unlike advisors tied to third-party providers, we offer tailored financial advice that suits your unique needs. Our advisors take the time to get to know you personally, so they can provide customized advice for your investment portfolio. We offer more options and greater peace of mind without the pressure to sell certain products.

At KOHR Investments, LLC, we serve, not sell. Our dedicated investment advisors will only ever select an investment vehicle that aligns with your chosen financial strategy. So you can be confident that your investment decisions are made with your best interests in mind.

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How Much Do You Know About Investing?

These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investing IQ."

WHAT'S YOUR RISK NUMBER?

Risk Number® technology objectively calculates an investor's true risk tolerance, utilizing a scientific framework that won the Nobel Prize for Economics. By taking a 5 minute quiz, we will be able to pinpoint and quantify your exact risk tolerance, which will then help you align your current portfolio with your true investment goals and expectations. This is easily the best technology we use in our practice and it gives our clients an edge in understanding risk.

5 Key Benefits of Independent Financial Advisors

Customized guidance based on your entire financial picture. Independent advisors are not tied to any particular family of funds or investment products. So, whether you need help with a tax situation or managing assets at multiple places, independent advisors can choose the investment option that’s best for you.
A relationship that’s responsive, attentive, and personal. To offer advice closely aligned with your goals, independent advisors must first build a strong understanding of your situation. As a result, there is a deep focus on building client relationships. And because many of these advisors are entrepreneurs, they hold themselves personally accountable to their clients.
A fee structure that is simple and transparent. Independent advisors typically charge a fee based on a percentage of assets managed. This fee structure is simple, transparent, and easy to understand. It also gives your advisor an incentive to help grow your assets. When you succeed, your advisor succeeds.
A high level of expertise to support your complex financial needs. Independent advisors can help investors address the complex investment needs that arise when they accumulate significant wealth. Some advisors are specialists in specific investment strategies. Others can assist you with comprehensive services, such as estate planning or borrowing, the sale of a business, and intergenerational wealth transfer.
Your money is held by an independent custodian, not the advisor firm. Independent advisors use independent custodians like Charles Schwab as the custodian to control and safeguard clients’ assets. This provides a reassuring system of checks and balances—your money is not held by the same person who advises you about how to invest it.

All these factors help us build relationships built on trust, accountability, and a commitment to always putting your interests first. As fiduciaries, we can make your success our top priority.

Meet Our Team

Important Factors to Establishing Your Goals

Many factors go into establishing your goals, and all of these impact how we create your financial plan. Being able to clearly articulate your needs and expectations will help you (and us) make an informed decision about how we can help you. We want to understand your goals and your particular financial situation and make recommendations that are suitable for you. Some important factors to consider in defining your goals include:

Investment goals – What are you working toward: A comfortable retirement? Leaving a legacy? Philanthropic goals?
Risk tolerance – How much fluctuation in value can you tolerate in exchange for the opportunity to earn above-average returns?
Time horizon – When will you need to withdraw money from your investments?
Income needs – Do you need current income from your portfolio? How much?
Tax situation – Does your tax bracket require a tax-sensitive strategy?
Other holdings – Do you have significant wealth tied up in real estate or other illiquid assets?
Other needs – Do you have complex planning needs related to wealth transfer, executive compensation, risk management, business succession planning, or philanthropic planning?

It’s a good idea to consider these factors before our first meeting so that we can get a comprehensive picture of your financial situation and establish a holistic plan that fits you. The details of our process are outlines more below.

How a Fiduciary Can Help You?

Do you want to understand how a fiduciary can benefit your wealth management and financial planning endeavors? At KOHR Investments, LLC, we offer various services to help you achieve your financial goals. As an independent fiduciary, we put your interests first, and our focus is always on serving your unique needs.

Our team plays several roles in supporting our clients, including:

Money managers – We design personalized investment portfolios, which include mutual funds, individual securities such as stocks and bonds, and other investment vehicles. We can manage your portfolio on a discretionary basis, which means you authorize us to trade on your behalf without requiring advance approval.
Financial planners – We assist with long-term financial planning in retirement, college funding, wealth transfer, tax planning, and insurance. Our goal is to help you prepare for your financial future.
Wealth managers – We provide comprehensive financial planning, investment, and portfolio management services for high-net-worth clients. We can also collaborate with other professional advisors, such as attorneys and accountants, to tackle complex financial needs, such as tax minimization, trust management, wealth transfers, real estate management, and portfolio performance analytics.

To help you with your specific financial situation, you must assess the investment and advisory services you need. Below are some of the particular areas where we can support you:

Investing

Risk assessment: We can help you determine your risk tolerance and create an investment strategy that aligns with your risk profile.
Asset allocation: We can assist you in determining how to allocate your investments across various asset classes based on your investment goals and risk tolerance.
Diversification: We can help you diversify your portfolio across different sectors, industries, and geographies to reduce risk and improve potential returns.
Rebalancing: We can monitor your portfolio and make adjustments to ensure it remains aligned with your investment goals and risk tolerance.
Tax-efficient investing: We can help you structure your portfolio in a tax-efficient manner, such as by using tax-advantaged investment accounts or employing tax-loss harvesting strategies.
Socially responsible investing: We can help you invest in companies that align with your values and beliefs.

At KOHR Investments, LLC, we believe every client is unique, and we tailor our investment services to meet your needs. Whether you're looking for ongoing investment advice, portfolio analysis, portfolio design, or discretionary portfolio management, our team is here to help you achieve your financial goals.

Cash Management

Cash flow management: We can help you create a budget, track your expenses, and manage your cash flow to ensure you have the funds you need to meet your financial goals.
Debt management: We can help you develop a strategy to pay off your debts, reduce interest costs, and improve your overall financial health.
Emergency funds: We can help you set up an emergency fund to cover unexpected expenses and mitigate financial risk.
Retirement income planning: We can help you develop a plan to generate retirement income from your investments, pension plans, and Social Security benefits, among other sources.
Short-term investments: We can assist you in selecting short-term investment options that offer higher returns than traditional savings accounts while maintaining liquidity.

At KOHR Investments, LLC, we're committed to providing comprehensive financial planning services beyond just investing. Cash management is an essential component of financial planning. We can help you optimize your cash flow, reduce debt, and achieve your financial objectives.

Planning

Retirement planning: We can help you determine how much you need to save for retirement, assess your current retirement accounts, and develop a plan to achieve your retirement goals.
Education planning: We can help you plan for your children's or grandchildren's education expenses, including selecting appropriate investment vehicles and tax-advantaged savings plans.
Business succession planning: We can assist you in developing a plan to transfer ownership of your business to family members or other parties when you retire or in case of an unexpected event.
Charitable giving: We can help you structure philanthropic donations tax-efficiently and select appropriate charities or causes that align with your values.
Personal and business lending: We can provide guidance on personal and business loans, including selecting appropriate loan structures, assessing the financial impact of loans and identifying potential lenders.
Wealth transfers: We can assist you in developing a plan to transfer your wealth to your beneficiary's tax-efficiently while preserving your legacy.
Trusts and estate plans: We can help you with an attorney to establish trust and estate plans that align with your wishes and provide for your family's financial security.
Insurance review: We can review your insurance coverage to ensure that it aligns with your financial goals and risk tolerance and recommend changes as needed.

At KOHR Investments, LLC, comprehensive financial planning involves much more than investment management. Our team of advisors has the expertise to help you navigate complex planning challenges and develop customized solutions that meet your unique needs.

Transparency and Accountability in Investment Decisions

We believe that you should not only know what we’re doing with your money, but why we’re doing it. At KOHR Investments, we maintain total transparency in all of the investments we make for your portfolio, and if you’re ever uncertain about why a certain decision was made, we’ll help you to understand how that particular action benefits you.

We proactively discuss current events and openly share our forecast with you through your investment counselor, live events, quarterly reviews, regular publications like MarketMinder, and more. Whether you’re someone who wants to dig into the details of your portfolio or you want to be more hands-off, we provide a variety of resources to get you the information you need, when you need it—all to make sure you’re comfortable with our investing approach.

How Our Fees Work

We utilize a fee structure that is simple and easy to understand. We charge a fee that’s based on a percentage of the assets we manage for you. With this structure, successful growth of your assets means success for us as well, so we take greater accountability in growing your wealth. We may also charge hourly or flat fees in conjunction with a specific, one-time service, like developing a financial plan. If you ever have any questions regarding our fees and billing, we invite you to contact your dedicated financial advisor.