Our Services

Four disciplines.
One coordinated plan.

Most advisors specialize in one area. We integrate all of them — because your investment decisions affect your taxes, your insurance protects what your plan builds, and your estate strategy determines what actually gets passed on.

01 /

Financial Planning

A written roadmap for your money — not a one-time document, but a living strategy that evolves as your life does.

Every Kingston engagement starts with a plan. Not a sales pitch dressed up as advice — an actual written strategy that addresses where you are, where you want to go, and exactly how to get there.

We build plans that answer real questions: Can I afford to retire at 60? Should I take Social Security now or wait? How do I pay for my kids' education without derailing my own retirement? What happens to my family if something happens to me?

Your plan is built in our Virtue platform, where you can log in anytime to track progress, see projections, and collaborate with your advisor — on your schedule, not ours.

Retirement Planning
Income projections, Social Security optimization, withdrawal sequencing, and gap analysis to determine exactly when and how you can retire.
Education Planning
529 plans, funding strategies, and timing analysis to help you plan for children's or grandchildren's education without sacrificing your own goals.
Estate Planning
Coordinating with your attorney to ensure wills, trusts, beneficiaries, and titling reflect what you actually want — and minimize what goes to taxes.
Cash Flow & Goals
Budgeting analysis, emergency fund sizing, and goal prioritization so your short-term decisions support your long-term plan.
02 /

Investment Management

Low-cost, tax-efficient portfolios built around your actual goals — not a model pulled off a shelf.

We believe investors should have access to strategies that maximize the likelihood of meeting their goals. Our approach prioritizes keeping costs low, minimizing taxes, and diversifying globally — because those are the factors you can actually control.

Our investment philosophy is simple: We use primarily low-cost index-based strategies (ETFs and mutual funds) that outperform the vast majority of actively managed alternatives over time. No proprietary products, no high-fee funds, no unnecessary complexity.

Your portfolio is custodied through National Financial Services and accessible anytime through your Wealthscape portal. We monitor, rebalance, and adjust as your plan and life circumstances evolve.

Low Cost
We select strategies with the lowest reasonable expense ratios — primarily index-based ETFs — so more of every dollar stays working for you.
Tax Efficient
Asset location, tax-loss harvesting, and withdrawal sequencing designed to reduce your tax liability and increase after-tax returns.
Globally Diversified
Broad allocation across domestic and international asset classes to reduce concentration risk and capture global growth.
Risk Aligned
Your portfolio matches your risk tolerance, time horizon, and income needs — not a generic questionnaire result.
03 /

Tax Strategy

Year-round planning coordinated with your CPA — not a once-a-year scramble in April.

Tax planning is where the pieces of your financial life connect most visibly. A Roth conversion affects your investment strategy. Your withdrawal sequence affects your tax bracket. Your charitable giving affects your estate plan. We manage these interactions proactively — not retroactively.

Kingston offers tax preparation services directly through our firm, which means the same team managing your investments is also preparing your returns. No handoff gaps, no miscommunication between advisor and CPA, no missed opportunities.

For clients who prefer their own CPA, we coordinate closely — sharing projections, discussing year-end moves, and ensuring your investment strategy and tax strategy are pulling in the same direction.

Annual Tax Preparation
Simplified, coordinated filing for individuals, families, and small businesses — prepared by the team that knows your full financial picture.
Investment Tax Planning
Roth conversions, loss harvesting, asset location, and gain deferral strategies built into your portfolio management — not bolted on after the fact.
On-Demand Consulting
Have a tax question between meetings? Selling a business? Receiving an inheritance? We're a phone call away — and we'll help you think through the implications before you act.
04 /

Insurance & Estate

Protection sized to your actual needs — not a template, not an upsell.

Insurance is the part of your plan that most people either ignore or overbuy. We help you find the right amount — enough to protect your family and your assets, without paying for coverage you don't need.

We're independent here too. We work with multiple carriers to find the right fit for your situation, whether that's term life for a young family, long-term care for someone approaching retirement, or a disability policy for a business owner whose income depends on their ability to work.

On the estate side, we coordinate with your attorney to make sure your documents — will, power of attorney, healthcare directive, trusts, beneficiary designations — actually reflect what you want. We've seen too many families discover mismatches after it's too late to fix them.

Life Insurance
Term, whole, and universal life coverage analyzed against your actual income replacement and estate planning needs.
Disability & LTC
Income protection and long-term care planning — the coverage most people wish they'd set up before they needed it.
Property & Auto
Umbrella policies and P&C coverage reviewed as part of your overall risk management strategy.
Estate Coordination
Beneficiary audits, trust reviews, gifting strategies, and document coordination with your estate attorney.
∞

These four disciplines aren't separate services. They're one integrated strategy — because the decisions you make in each area directly affect the others.

That's what makes Kingston different. We don't hand you off between specialists. One team, one plan, one conversation.

Transparent pricing.

No hidden fees. No commissions on trades. No surprises. We clearly lay out what you pay so you can make the best decision for the level of service you need.

~1%
of AUM annually
Advisory Fee

Our typical investment advisory fee for clients with assets up to $500K. Fee decreases as your portfolio grows.

~0.1%
weighted average
Fund Expenses

We select low-cost index strategies designed to keep more of your money working. No high-fee proprietary products.

$0
additional cost
Planning Access

Advisory clients receive full access to financial planning, Virtue dashboard, tax coordination, and concierge services at no extra charge.

Ready to see how it all fits together?

Schedule a free 30-minute conversation. We'll listen to what's on your mind and help you think through at least one decision you're currently weighing.

Schedule a consultation