KISS Financial Advisors

What KISS Financial Advisors does

KISS Financial Advisors is an independent, privately-held financial advisory firm headquartered in Richland, Michigan, specializing in retirement income distribution planning for high-net-worth individuals and families, pre-retirees, and small business owners. The firm's core offering is a bundled, full-service financial planning practice delivered through one-on-one advisor consultations, written financial plans, and ongoing wealth management — covering tax strategy, estate planning, risk management, investment management, and insurance. Securities and advisory services are offered through Harbour Investments, Inc., a FINRA-member, SIPC-member broker-dealer, under which the firm holds securities licensing in eight U.S. states (MI, AZ, CO, FL, GA, NV, OH, WA).\n\nThe business operates on a consultative, relationship-based sales model with a fee-based compensation structure (upfront cost, retainer, or fee-based). Client acquisition is driven by a community-embedded referral network including CPAs (Fisher Spiegel Kunkle & Gerber), insurance agents (Apple Insurance of South Haven), an estate law firm (Willis Law), and a reverse mortgage specialist (Bill Eichstaedt), supplemented by bi-monthly in-person and online educational workshops, a 40+ tool financial calculator library, a 200+ entry financial glossary, and a tax resources center. The underlying technology stack is standard — the FMG Suite website and content platform, the WealthServ client portal, and broker-dealer infrastructure via Harbour Investments — with no proprietary technology or AI/ML capabilities disclosed. The firm is led by Founder and President Corby A. Kiss, with a second named advisor, Rebecca A. Artz, suggesting a very small two-person advisory team.

Name

KISS Financial Advisors

Legal name

Kiss Financial Advisors

Website

https://kissfinancialadvisors.com

Company type

Private

Operating status

Operating

Short description

KISS Financial Advisors is an independent, fee-based financial advisory firm in Richland, Michigan, specializing in retirement income distribution planning, wealth management, and estate strategy for high-net-worth individuals, pre-retirees, and small business owners, operating through Harbour Investments broker-dealer across eight U.S. states.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Retirement income planning
• Wealth management advisory
• Financial planning services
• Investment management services
• Estate planning services

Headquarters

HQ city

Richland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Financial Planning and Advisory Services: Fee-based financial planning services with compensation structure based on upfront cost or retainer, or fee-based model. Services include comprehensive retirement income distribution planning, investment management, tax strategy, estate planning, and insurance planning.
2. Securities and Investment Products: Securities and advisory services offered through Harbour Investments, Inc., a FINRA member broker-dealer. Products include bonds, stocks, IRAs, 401(k)s, annuities, and other investment vehicles with associated advisory fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

KISS Financial Advisors provides fee-based comprehensive financial planning and wealth management services, with a primary focus on retirement income distribution planning for high-net-worth individuals and families, pre-retirees, and small business owners. Core offerings include retirement planning, wealth management, investment management, tax strategy, estate strategy, risk management, and insurance services, bundled into written financial plans. Securities and investment products (bonds, stocks, IRAs, 401(k)s, annuities) are delivered through Harbour Investments, Inc., a FINRA member broker-dealer.

Product overview

KISS Financial Advisors offers a comprehensive suite of wealth management and retirement planning services through an integrated financial advisory practice. The firm provides core services including Tax Strategy, Wealth Management, Risk Management, Estate Strategy, Retirement Planning, Investment Management, and Insurance Services. Supporting these core offerings are specialized planning tools for Social Security optimization, Medicare planning, long-term care planning, and IRA inheritance strategies. The firm also offers digital tools including financial calculators, a tax resources center, and a financial glossary. All services are delivered through a bundled full-service approach with written financial plans tailored to each client's unique situation, utilizing a team of health insurance agents, financial advisors, and service assistants.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Comprehensive retirement income distribution planning service helping retirees transition from accumulation to income distribution phases.
• Wealth Management Wealth-building consultation and management service helping clients accumulate, preserve, and transfer wealth across generations.
• Investment Management Portfolio strategy including bonds, common stock, ETFs, and alternative investments tailored to individual risk tolerance and time horizon, with securities offered through Harbour Investments, Inc.
• Tax Strategy Services Tax-efficient income and wealth management strategies designed to help clients minimize tax burden during retirement and throughout their financial planning.
• Estate Strategy Planning for asset distribution, legacy preservation, and family wealth transfer across all phases of life.
• Risk Management Comprehensive risk assessment and mitigation strategies safeguarding clients and their families.
• Insurance Services Disability income insurance, life insurance, and long-term-care insurance solutions for comprehensive client protection.
• Financial Planning Written financial plans covering income distribution, money management, insurance, taxes, estate planning, and long-term care needs, delivered as a bundled full-service offering.

Quantifiable outcome

• Over 50% of adults over age 50 say they would rather die than live in a nursing home, according to a recent poll from Nationwide Retirement Institute.
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered secondary, core and minor.

• Willis LawsecondaryStrategic or Co-development Partner · 25 February 2025Law firm that co-hosts estate planning seminars with Kiss Financial Advisors. Attorneys Davis C. Marting and Chico S. Obande present on 'Securing your Legacy: The Importance of Estate Planning'.
• Harbour Investments, Inc.coreTechnology or IntegrationHarbour Investments, Inc. is the broker-dealer through which Kiss Financial Advisors offers securities and advisory services. They are a FINRA member firm and SIPC member, providing the regulatory and custodial infrastructure for the firm's investment products.
• Fisher Spiegel Kunkle & Gerber, P.L.L.C.secondaryStrategic or Co-development PartnerCPAs located in Battle Creek, MI who work with Kiss Financial clients on accounting and tax preparation. The firms maintain a collaborative relationship in serving clients' comprehensive financial needs.
• Apple Insurance of South Haven, Inc.secondaryStrategic or Co-development PartnerLocal insurance agency providing property and casualty insurance products. Part of the firm's network of local partners serving comprehensive client needs.
• Bill EichstaedtminorChannel Partner/ Reseller/ DistributorReverse Mortgage Specialist listed as a useful resource for clients. Provides reverse mortgage products that may complement retirement income planning strategies.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of independent advisors offering retirement and wealth management services. Directly comparable to KISS in service model (independent advisor + broker-dealer partnership) and target retiree/HNW client base.
• Carson Group: RIA network and coaching platform serving independent financial advisors focused on holistic financial planning for retirees and HNW clients. Comparable to KISS in its advisor-led, financial-planning-led model and emphasis on retirement income planning.
• Cetera Financial Group: Independent advisor network supporting independent financial advisors with broker-dealer, RIA, and back-office infrastructure. Highly comparable to KISS's relationship with Harbour Investments, and serves the same independent-advisor-to-HNW-client segment at greater scale.
• Raymond James Financial: Diversified financial services firm with a large independent advisor channel serving retirees and HNW individuals. Highly comparable to KISS in combining broker-dealer securities with comprehensive financial planning and a relationship-led client experience.
• Edward Jones: Major national advisory firm with a branch-based, relationship-led model focused on individual investors and retirees. Similar to KISS in its consultative, education-driven GTM and HNW/retiree client focus, but operates thousands of offices across the U.S.
• Mariner Wealth Advisors: Large national RIA providing comprehensive financial planning, investment management, and retirement income planning to HNW individuals and families. Compares to KISS in service breadth (planning-led, fee-based, multi-disciplinary) at meaningfully greater scale.
• Cambridge Investment Research: Independent broker-dealer and RIA support platform serving independent financial advisors across the U.S. KISS operates in the same independent-advisor ecosystem, with Cambridge offering an alternative broker-dealer home for similar advisory practices.
• Ameriprise Financial: Large, established financial services company with a significant independent advisor channel serving mass-affluent and HNW clients. Comparable to KISS in offering retirement income planning, wealth management, and tax/estate strategies, but at much greater scale and brand recognition.

Emerging players

• Wealthfront: Direct-to-consumer robo-advisor offering automated investment management and financial planning tools. Overlaps with KISS in serving financially engaged mass-affluent investors with planning-led offerings, but at substantially lower fees and a fully digital delivery model.
• Schwab Intelligent Portfolios: Digital advisory offering from Charles Schwab providing automated, low-cost portfolio management to retail and mass-affluent investors. Competes with KISS for the same retiree/investor dollar at a lower price point, representing a fee pressure and asset migration risk for advisory firms.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KISS Financial Advisors