This page describes Kotini & Kotini's regulatory status, coordination model, and the credentialed partner relationships through which advisory, legal, insurance, and tax services are delivered.
Kotini & Kotini is not a Registered Investment Advisor (RIA). The firm is not registered with the U.S. Securities and Exchange Commission or any state securities regulator as an investment adviser, and does not provide investment advice, manage client assets, or hold itself out as a fiduciary investment adviser.
Kotini & Kotini coordinates wealth strategy through credentialed RIA partners who operate in a fiduciary capacity. Those partners, not Kotini & Kotini, provide investment advisory services, manage client portfolios, and maintain custody of client assets through their own qualified custodians.
A separate Registered Investment Advisor entity affiliated with Kotini & Kotini is in development. When that entity is registered and operational, it will be treated as a partner RIA within the coordination model described on this page, and this disclosure will be updated to reflect its regulatory status. Until then, no entity in the Kotini & Kotini structure operates as a Registered Investment Advisor.
Nothing on this website should be construed as investment advice, a solicitation, or a recommendation to buy or sell any security. Information presented on this site is general in nature, intended for educational purposes, and is not tailored to the financial situation, risk tolerance, or investment objectives of any specific person. Visitors should consult a credentialed investment adviser before making any investment decision.
Kotini & Kotini operates as a Virtual Family Office that coordinates planning across six disciplines: advanced tax planning, wealth management, risk mitigation, estate and legacy planning, business advisory, and lifestyle concierge. The firm does not deliver regulated services directly in every discipline. Instead, K&K quarterbacks the conversation between the client and the credentialed professionals who do.
For investment and portfolio strategy, K&K works with affiliate Registered Investment Advisors who are registered with the SEC or state regulators and provide investment advisory services in their licensed fiduciary capacity. Client portfolios are held with the partner RIA's qualified custodian. Investment recommendations, allocation decisions, and trade execution are the responsibility of the partner RIA, not of Kotini & Kotini.
K&K's role in the wealth strategy conversation is to ensure the investment plan is consistent with the client's tax strategy, estate plan, risk coverage, and business structure, and to facilitate communication between the partner RIA and the other professionals on the client's team. K&K does not select securities, place trades, or hold discretionary authority over client investment accounts.
Kotini & Kotini does not provide tax filing, tax preparation, or investment advisory services directly. The firm coordinates these services as follows.
Tax services. Tax returns are prepared and filed by partner Certified Public Accountants and Enrolled Agents in their licensed capacity. K&K provides advanced tax planning, the proactive strategy work that takes place before the close of the calendar year. Tax filing remains the responsibility of the client's CPA or Enrolled Agent, engaged separately. K&K works alongside the client's existing tax filer when the client has one, or introduces a partner CPA when needed.
Investment services. As described above, investment advisory services are provided by credentialed RIA partners in their licensed fiduciary capacity. K&K coordinates strategy but does not provide investment advice directly.
Business valuation services. Business valuations are performed by partner valuation firms in their professional capacity. K&K does not perform business valuations directly.
Insurance products discussed on this website, including life, disability, long-term care, malpractice, property and casualty, and business risk products, are placed by licensed insurance brokers and agents in their licensed capacity. K&K coordinates risk strategy but does not underwrite, issue, or place insurance policies directly.
Where insurance products are recommended as part of a coordinated plan, the policies are written and serviced by the licensed insurance professional and the underlying carrier. Premium amounts, policy terms, claims handling, and policy administration are the responsibility of the licensed broker and the carrier, not of K&K. Clients receive disclosures from the licensed broker at the time of policy application as required by state insurance regulators.
Kotini & Kotini does not provide legal advice, prepare legal documents, or act as legal counsel under any circumstance. Trusts, wills, powers of attorney, business entity formation documents, operating agreements, buy-sell agreements, asset protection structures, and other legal documents referenced on this site are drafted and executed by partner attorneys engaged separately by the client in the attorney's licensed capacity.
The relationship between the client and a partner attorney is an attorney-client relationship governed by the rules of professional conduct in the attorney's jurisdiction. K&K facilitates the introduction and coordinates the work product into the broader plan, but no information shared with K&K constitutes legal advice and no communication with K&K creates an attorney-client relationship.
Kotini & Kotini does not guarantee any specific financial outcome, investment return, tax savings amount, or estate value. Past performance is not indicative of future results. Investment strategies coordinated through credentialed partner RIAs involve risk, including the potential loss of principal. Tax strategies depend on individual facts and circumstances, current tax law, and accurate implementation by the client's tax filer.
Any historical figures referenced elsewhere on this website, including average client tax savings, are historical results across a specific client population in a specific period. They are not projections, are not guaranteed, and should not be interpreted as a forecast of the result any individual client will achieve. Hypothetical examples used for illustration are labeled as such and are intended to convey concepts, not to predict outcomes.
Insurance products, where used as part of a coordinated plan, are subject to the terms of the underlying policy, the financial strength of the issuing carrier, and applicable state insurance regulations. All insurance products carry risk, and no policy eliminates risk entirely.
Questions about how Kotini & Kotini coordinates with credentialed partners, or about any disclosure on this page? Contact us and we'll walk you through it.
