Services & Support

Advanced Planning:
Sophisticated solutions for complex client situations such as the tax aware handling of business planning, charitable giving, trusts, life insurance and retirement planning.

Asset Management:
Delivers personalized strategies and a full range of investment solutions to individuals, families, foundations, endowments, retirement plans and profit sharing plans.

Trust Services:
Providing administrative services that allow financial professionals to maintain the role of asset manager for trust assets that assist high net worth and mass affluent investors with efficient wealth transfer.

Fixed Income Investing:
Full-service trading desk that allows access to portfolio reviews, custom designed bond ladders, and other solutions designed to pursue competitive total returns for clients’ fixed income holdings.

Insurance & Estate Planning:
National brokerage service providing innovative solutions for wealth transfer, wealth accumulation, protection and estate planning, with a focus on life insurance, disability and long-term care.

Investment Research:
Providing a list of highly rated mutual funds and ETFs across a spectrum of asset classes, model asset allocation portfolios for different client risk profiles and the latest commentary from strategic partners.

Syndicate Offerings & Investment Banking:
Access to equity IPO & follow-on offerings, new issue fixed income preferred and debt offerings, new issue closed-end funds and other public offerings.  

Fixed Indexed & Fixed Annuity Platform:
Annuity marketing platform providing access to carriers and products, with a tenured, experienced staff that takes a holistic approach to ensure the appropriate client solutions.

KMS Account Types:

  • Joint and Community Property Account
  • Asset Management Advisory Account
  • Individual Retirement Account (IRA)
  • Roth IRA, including conversion account
  • Estate Account
  • Educational IRA
  • 403(b) Account 
  • 529 Plan
  • ERISA Plans: 401(k), Profit Sharing or Defined Benefit Plans
  • Custodial Account for a Minor Child
  • Money Market Checking
  • Corporate or Partnership Account
  • Simplified Employee Pension (SEP) IRA
  • Transfer on Death Registration
  • And More


Securities Brokerage:
KMS is a full-service independent brokerage and advisory firm offering publicly traded stocks, bonds, and options, plus a wide range of mutual funds, unit investment trusts, variable life and annuity products, and cash management services.

Accounts may be maintained with an investment sponsor (e.g., a mutual fund or insurance company) or in a brokerage account through Pershing, a BNY Mellon company.  Pershing has provided securities clearing, data processing, and financial products and services since 1939 and currently works with hundreds of financial organizations worldwide.

Consistent with SEC requirements for disclosing order routing and execution practices, Pershing provides additional information periodically on your brokerage statement and at http://www.order-routing-disclosure.comTo retrieve the information, enter KMS’ name exactly as it appears on the bottom of your statement pages: KMS FINANCIAL SERVICES INC with spaces but no punctuation. Both KMS and Pershing regularly monitor the quality and timeliness of order execution.

See additional information on Special Risks and Considerations related to:

Advisory Services:
KMS offers services on an advisory fee basis and/or via traditional commission compensation. Investment advisory and financial planning services may include personal consultation and preparation of a written financial plan, ongoing asset allocation and portfolio management. Your financial professional may perform these services personally or help you select and monitor third-party portfolio managers.

Different programs can accommodate a wide range of account size and investment objectives. Your financial goals and level of risk tolerance are critical to defining an appropriate approach.

Traditional & Variable Insurance:
The basic role of insurance is to guard families and businesses against financial loss due to death, disability, and other risks. Many KMS Professionals are licensed to assist you in these areas. They may access such products through direct relationships with carriers that are not associated with or selected by KMS.

Variable Annuity and Life contracts combine insurance features with market-based investments and are subject to both insurance and securities regulation. Your financial professional transacts this business exclusively through KMS.

Account Protection:
Accounts held through KMS at Pershing are protected up to the total held in the account. Of this total, Securities Investor Protection Corporation (SIPC) provides $500,000 of coverage, including $250,000 for claims for cash. Remaining coverage is provided by Pershing through a commercial insurer.

Account protection applies when a SIPC member firm fails financially and cannot meet its obligations to securities customers. It does not protect against losses from the rise and fall in the market value of investments.

You may obtain information about SIPC, including the SIPC brochure, at (202) 371-8300 or




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