Kohlhepp Investment Advisors

Yes. As a registered investment advisor (RIA), the firm has a legal fiduciary duty to place client interests ahead of its own. This means it must disclose conflicts of interest and cannot earn commissions on recommended products—a standard that differs from the suitability standard applied to broker-dealers. The firm's Form ADV filing with the SEC confirms its RIA status.

Kohlhepp employs a long-term, value-oriented philosophy grounded in fundamental analysis. The firm builds portfolios primarily from low-cost ETFs and mutual funds, emphasizing businesses trading below intrinsic value. It avoids speculative trading and market-timing strategies, focusing instead on tax-efficient, diversified allocations that align with each client's retirement income needs.

The firm operates with a single-advisor model centered on Robert Kohlhepp. Clients receive direct access to the founder rather than being assigned to a junior advisor or team pool. This structure is designed to ensure consistent advice and a single point of accountability—but it also inherently limits the number of relationships the practice can serve.

No. The firm constructs portfolios using publicly traded securities—ETF and mutual fund vehicles—across equity and fixed income markets. It does not invest client capital into private equity funds, direct co-investments, venture capital, or single-asset real estate deals. This approach prioritizes liquidity and transparency over the illiquidity premiums that private markets can offer.

Kohlhepp serves high-net-worth individuals and families, predominantly in the greater Philadelphia and Bucks County region. The client base typically includes professionals, business owners, and retirees who require integrated financial planning—covering investment management, retirement income strategies, tax planning, and estate coordination—rather than institutional or corporate clients.