KOBO Retirement Strategies

KOBO Retirement Strategies

KOBO Retirement Strategies was founded in 2016 as an SEC-registered investment adviser in Pasadena, California. The firm positions itself as a fiduciary, meaning it is bound to place client interests ahead of its own when advising on asset allocation and portfolio management. Its core clientele spans individual retirees, pension plans, trusts, and financial institutions seeking outsourced retirement-plan governance. The firm's advisory approach centers on retirement readiness, combining asset allocation modeling with ongoing portfolio monitoring. Its service menu typically includes 401(k) plan design and oversight for employers, risk-tolerance profiling for individuals, and trust account management. KOBO acts as an ERISA 3(38) investment manager for some retirement-plan sponsors, taking discretionary responsibility for selecting and replacing plan investments. The firm's geographic reach appears concentrated in Southern California, with Pasadena as its operational hub. KOBO's scale remains undisclosed, and no public records confirm total assets under advisement or management. The firm does not appear to operate adjacent philanthropic vehicles, alternative investment funds, or private-capital arms under the KOBO brand. Its regulatory filings would itemize assets and representative accounts, but those figures have not been drawn from a recent public disclosure. Structurally, KOBO is a boutique advisory practice — distinct from large aggregator RIAs or wirehouse teams — operating with a plan-level fiduciary mandate rather than a proprietary product shelf. Its independence from product manufacturing means portfolio construction relies on third-party funds and models. The advisory relationship is sold on fiduciary transparency and retirement-specialist expertise, not on internal underwriting or proprietary deal flow.