How We’re Different

A Holistic Perspective for Better Results

KOHR Financial and Insurance Services takes a unique approach to financial planning by considering all aspects of your life and your future. Unlike other financial and investment professionals who focus on a limited range of products or services, we are macro-managers who take a comprehensive look at your goals and objectives. We then find the best investment and insurance products and services to help you achieve those objectives, resulting in a holistic plan that meets your needs. By prioritizing your goals first, we can create a customized financial plan that secures your future.

Our Commitment Is to Put Your Interests First

We prioritize your interests as fiduciaries and have built our business to reflect this. Unlike some money managers, our motivation is not to sell you commission-based financial products that are not in your best interest. Our objective is to serve you, not sell to you. Our transparent fee structure aligns our business goals with your best interest. When you do well, we also do well.

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5 Key Benefits of Independent Financial Advisors

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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