# KOBO Retirement Strategies

KOBO Retirement Strategies is a Bank / Wealth / Trust based in Pasadena, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Pasadena, United States
- **Region:** North America
- **Address:** Pasadena, CA, United States
- **Founded:** 2016
- **Assets under management:** Undisclosed
- **Website:** krsfiduciary.com

## Regulatory record

- **Reports private funds:** No

## About

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. 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.

## Questions

### Is KOBO Retirement Strategies a fiduciary?

Yes. KOBO holds itself out as a fiduciary investment adviser and is registered with the SEC. This obligates the firm to provide advice in the best interest of its clients under the Investment Advisers Act of 1940. For retirement-plan clients, KOBO can serve explicitly as an ERISA 3(38) investment manager, a defined fiduciary role that carries discretionary and ongoing responsibility for plan investments.

### What types of clients does KOBO serve?

KOBO serves individuals planning for or living in retirement, employer-sponsored retirement plans such as 401(k)s, pension plan sponsors, trusts, and financial institutions. The firm provides both institutional retirement-plan consulting and private-client wealth advisory. Its regulatory disclosures outline services across these distinct client categories.

### Does KOBO manage proprietary investment products?

No. KOBO's structure as an independent RIA means it does not manufacture proprietary mutual funds, ETFs, or alternative vehicles. The firm constructs portfolios using third-party funds and separately managed accounts selected through external due diligence. This architecture reduces product-pushing conflicts common at broker-dealers and bank-owned advisors.

## Related profiles

- [Kobo Family Office](https://altss.com/profile/kobo-family-office)
- [Kocen Financial Group](https://altss.com/profile/kocen-financial-group)

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Last updated: 2026-08-11T02:43:31.692Z

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