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Kilcullin Financial Life Planning
KILCULLIN FINANCIAL LIFE PLANNING, LLC is a state-registered investment adviser in O'FALLON, MO. The firm manages approximately $66 million in regulatory...
Overview
KILCULLIN FINANCIAL LIFE PLANNING, LLC is a state-registered investment adviser in O'FALLON, MO. The firm manages approximately $66 million in regulatory assets. It has 1 employee and 1 investment adviser.
General information
Firm type
Asset Manager
Location
Region
North America
Country
United States
Frequently asked questions
Is Kilcullin Financial a fiduciary to its clients?
Yes. state-registered investment advisors are held to a fiduciary standard under the Investment Advisers Act of 1940, meaning the firm must act in clients' best interests and disclose any material conflicts of interest. Kilcullin Financial reinforces its fiduciary posture through a fee-only compensation model, which removes the incentive to recommend high-commission products common at broker-dealers and insurance-licensed advisors.
How does Kilcullin Financial differ from a wirehouse advisor?
Kilcullin Financial operates as an independent RIA rather than as an employee of a wirehouse. The key structural differences include the custody of client assets (held at an independent third-party custodian like Schwab or Fidelity), a fee-only revenue model free of commission conflicts, and a fiduciary obligation that applies continuously rather than only at the point of sale. These distinctions shape a compensation and governance structure that regulatory record disclosures consistently confirm.
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