Investment management and retirement planning.
We manage investment portfolios and help you plan for retirement income, taxes, and major financial decisions. With your authorization, we can work with the Koala tax, legal, and insurance teams.
Portfolio management generally starts at $250,000; the minimum may be waived. Financial planning is also available on its own.
How we manage your investments.
We discuss your goals, income needs, and comfort with risk before recommending how to invest. You receive an explanation of our approach and fees.
The plan comes first
Your goals, time horizon, tax situation, and need for cash guide the investment allocation.
Consider the tax consequences
With your authorization, we review account location, realized gains, loss harvesting, and charitable gifts with the tax team.
Assets stay at an independent custodian
Client assets are generally custodied through Charles Schwab. You receive statements and custody information directly from the custodian.
Fees disclosed before you sign
Advisory fees are billed monthly in arrears and disclosed before engagement. Third-party, custodian, fund, and transaction costs may still apply.
Fiduciary standard
When Koala Financial, Inc. manages your account under an advisory agreement, we are a fiduciary. We are required to put your interests first and to invest in line with your stated goals and objectives. Registration does not imply a certain level of skill or training.
What we can help with.
We review your investments alongside your income needs, tax situation, and estate documents.
Portfolio management
Asset allocation, rebalancing, risk management, and ongoing investment oversight through Charles Schwab custody.
Retirement income
Withdrawal strategy, Social Security timing, pension choices, cash flow modeling, and long-term spending plans.
Taxable account decisions
Tax-aware rebalancing, capital gain timing, loss harvesting, charitable giving, and account-location decisions.
Concentrated positions
Planning for employer stock, business-sale proceeds, inherited investments, and large holdings in a single investment.
Family planning decisions
Beneficiary designations, education funding, trust coordination, and planning around major family changes.
Insurance needs
Review how existing coverage and potential insurance needs affect your finances.
A blended fee that steps down as assets grow.
The rate applies in tiers, so larger portfolios pay a lower blended percentage. Fees are billed monthly in arrears and disclosed before engagement. The full schedule, planning fees, and notes on third-party costs are on the pricing page.
Full Fee ScheduleWhen to contact your advisor.
Review tax decisions before year-end.
Discuss Roth conversions, realized gains, charitable gifts, and tax-loss harvesting before the relevant deadlines.
Review what has changed.
Let us know about a retirement, divorce, inheritance, business sale, property purchase, or death in the family so we can review the affected accounts and plans.
Accounts should match the documents.
Review account ownership and beneficiary designations when your estate documents change.
What clients ask about wealth planning.
The website is general information. Advice depends on your accounts, goals, documents, tax situation, and advisory agreement.
Client advisory accounts are generally custodied through Charles Schwab. Koala Financial manages the advisory relationship, but clients receive statements and custody information directly from the custodian.
Advisory fees are billed monthly in arrears. The exact fee schedule and any applicable minimums are described in the advisory agreement and in our disclosure documents.
No. Koala Financial can be engaged for investment advisory services by itself. Tax & Accounting and Koala Law are separate engagements. If you want the other Koala teams involved, they can coordinate with your authorization, but you are not required to use affiliated services.
No. The website is general information only. Advice depends on your accounts, goals, documents, tax situation, and advisory agreement. Our advisory disclosures explain what we do and do not provide.
Request a consultation.
Tell us what you need help with. We will follow up within 1 business day to arrange a 15-minute introductory conversation. There is no obligation, and you do not need to gather documents before reaching out.
Request received
Thank you for reaching out. A member of the Koala Financial team will be in touch within 1 business day.
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