Financial advisory services built around your complete picture.
Most clients come to KCL Wealth Management after years of having their taxes and investments managed by different people who never talked to each other. Katherine holds both a CPA and a CFP, a rare combination that means tax strategy and investment management are one conversation, not two. Everything is built around your life and what you are actually trying to accomplish.
Comprehensive Wealth Management
This is the relationship KCL Wealth Management is built for. Clients who engage Katherine for comprehensive wealth management are fully delegating their financial life to one advisor who sees all of it: their taxes, their investments, their financial plan, and the life goals behind all three. Katherine does not hand clients off. Every piece of a client's financial picture goes through one set of eyes, filtered through one integrated strategy.
Tax Preparation and Tax Strategy
Katherine prepares your returns and builds the strategy behind them. The two have always belonged together. Filing without a strategy is not tax planning. At KCL Wealth Management, they are one and the same.
Investment Management
Your portfolio is built and managed with your tax situation in mind. Every decision accounts for what it costs you to make it. There are no investment decisions made in isolation from your tax picture.
Financial Planning
From retirement projections to major purchase analysis to estate plan review, Katherine advises on the decisions that shape your financial life, not just the accounts that hold it.
Ongoing Access
Clients reach out when something comes up: before signing a document, after a conversation with an attorney, or when they want a second opinion from someone who knows their full picture. That access is part of the relationship.
People who are doing well and want someone who sees all of it.
Physicians, attorneys, executives, and business owners in Newport Beach and Coastal Orange County who are financially successful but feel their financial life has become more complicated than it needs to be.
The common thread is not an income level or an account balance. It is a feeling: I want someone who actually sees the whole picture.
KCL Wealth Management works with a small number of clients by design. Every client receives the same level of attention, responsiveness, and care regardless of account size.
KCL Wealth Management is fee-only. Katherine is compensated exclusively by clients as a percentage of assets under management annually. No commissions. No referral fees. No product sales. The only person Katherine works for is you.
Fee details and minimums are discussed during an initial conversation.
Other ways to work with Katherine
For situations that call for a more focused engagement, KCL Wealth Management offers two additional service options.
Business Owner Advisory
A retainer relationship for new and early-stage business owners who need a financially sophisticated advisor without hiring a full-time CFO. Katherine advises on cash flow, owner compensation, entity structure, and financial decision-making, while coordinating with your outside CPA, attorney, and bookkeeper so that one person is synthesizing all of the advice.
Strategic consulting. Not bookkeeping. Not tax preparation. The person you call before you call everyone else.
Learn More →Complex Project Advisory
For a specific financial situation that warrants deep, focused analysis. Pre-divorce financial review, real estate investment analysis, RSU and equity compensation planning, estate plan review, retirement readiness assessment. Katherine builds the analysis and presents clear, actionable findings.
Reserved for situations complex enough to justify the level of expertise KCL Wealth Management brings to every engagement.
Learn More →What people ask before reaching out.
What does fee-only mean?
A fee-only financial advisor is compensated exclusively by clients, typically as a percentage of assets under management or a flat fee. No commissions. No referral fees. No payments from financial products. The only person Katherine works for is you.
What is the difference between a CPA and a CFP®?
A CPA specializes in tax preparation and tax strategy. A CFP® specializes in financial planning and investment management. Katherine holds both credentials, which means your taxes and investments are managed together under one integrated strategy rather than by two separate professionals who never talk to each other.
Does KCL Wealth Management prepare tax returns?
Yes. Katherine prepares tax returns and builds the strategy behind them. Tax preparation and tax strategy are fully integrated at KCL Wealth Management, which means your return is filed with a plan behind it, not just a form.
What happens at tax time?
Katherine prepares your return. The same advisor who built your investment strategy and your financial plan is the one filing your taxes. There are no handoffs, no translation errors, and no surprises. Your return is filed with a strategy behind it, not just a form filled out and submitted.
Who does KCL Wealth Management work with?
Physicians, attorneys, executives, and business owners in Newport Beach and Coastal Orange County who are financially successful but feel their financial life has become more complicated than it needs to be. KCL Wealth Management works with a small number of clients by design so every client receives the same level of care and attention.
How is KCL Wealth Management different from a traditional financial advisor?
Most clients come to KCL Wealth Management after years of having their taxes managed by a CPA and their investments managed by a separate financial advisor who never talked to each other. Katherine holds both a CPA and a CFP®, which means tax strategy and investment management are one integrated conversation, not two separate relationships.
What does the onboarding process look like?
Once you decide to move forward, Katherine gathers your documents and reviews your full financial picture across taxes, investments, and planning. Nothing gets missed and nothing is assumed. Most clients describe the onboarding process as the first time someone has actually looked at everything together. From there Katherine builds an integrated strategy and you begin meeting on a regular cadence.
How often will I hear from Katherine?
Comprehensive wealth management clients meet with Katherine twice per year formally, with ongoing access by email and phone between meetings. Katherine reaches out proactively when something relevant happens: a tax law change, a market event, or an opportunity that affects your plan. You are never waiting for your annual review to find out something that matters to you now.
Do I need a certain amount of money to work with KCL Wealth Management?
The comprehensive wealth management service has an asset minimum that is discussed during an initial conversation. KCL Wealth Management also offers a business owner advisory retainer and a complex project advisory engagement that do not require an asset minimum. If you are unsure which service fits your situation, reach out and Katherine will tell you honestly.
Can Katherine work with my existing estate planning attorney or other advisors?
Yes. Katherine regularly works alongside estate planning attorneys, divorce attorneys, insurance brokers, and other professionals. One of the core values of KCL Wealth Management is that clients should have one person synthesizing all of the advice they receive. Katherine serves as that person, coordinating with your other advisors so you are never the one forwarding documents and trying to connect the dots.
I already have a financial advisor. Why would I switch to KCL Wealth Management?
Most clients who come to KCL Wealth Management already have a financial advisor. What they do not have is someone who also manages their taxes and sees how the two connect. If your financial advisor and your CPA are two separate people who do not talk to each other, you are likely paying more in taxes than you need to and leaving money on the table every year. Katherine's dual credentials mean that gap does not exist.
How does KCL Wealth Management handle investment management?
Katherine builds and manages your portfolio with your full financial picture in mind. Every investment decision is made with your tax situation, your timeline, your goals, and your personal context taken into account. There are no model portfolios applied to every client and no investment decisions made in isolation from your tax picture. Your portfolio is built for you specifically.
Is KCL Wealth Management a fiduciary?
Yes. Katherine is a fiduciary, which means she is legally and ethically obligated to act in your best interest at all times. Combined with the fee-only structure, this means there are no commissions, no product recommendations that benefit Katherine financially, and no conflicts of interest. The only person Katherine works for is you.
Does KCL Wealth Management work with clients outside of Newport Beach?
Yes. While KCL Wealth Management is based in Newport Beach and serves primarily clients in Coastal Orange County, Katherine works with clients virtually throughout California. If you are outside of Newport Beach but your situation is a strong fit, reach out and Katherine will let you know whether she can help.
What makes KCL Wealth Management different from a large wealth management firm?
At a large firm you are assigned to an advisor who manages a book of hundreds of clients. At KCL Wealth Management Katherine maintains a deliberately small client base so that every client receives the same level of attention, responsiveness, and care. You are not a number. You are not passed to a junior associate. Katherine knows your full financial picture and is available when something comes up.
Not sure which fits?
Start with a conversation. Katherine will ask about your situation and tell you honestly whether KCL Wealth Management is the right fit and which engagement makes sense for where you are right now.
Begin the Conversation →