Koss-Olinger Consulting provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, business succession planning, estate planning, insurance, and tax planning. Financial planning was provided to 500 clients last fiscal year.
Koss-Olinger Consulting reports 679 clients. They include 378 high-net-worth individuals, 272 individual clients, and 20 pension and profit-sharing plans. Of its assets, 91.7% ($2.04B across 2,629 accounts) are managed with discretion; $184M across 291 accounts are not. It advised 7 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 40% | 4% |
| High-net-worth individuals | 56% | 91% |
| Pension and profit-sharing plans | 3% | 3% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 272 | $80.9M | 3.6% | $298K |
| High-net-worth individuals | 378 | $2.02B | 90.7% | $5.35M |
| Pension and profit-sharing plans | 20 | $68.4M | 3.1% | $3.42M |
| Charitable organizations | 4 | $2.51M | 0.1% | $628K |
| Corporations and other businesses | 5 | $54.6M | 2.4% | $10.9M |
| Total | 679 | $2.23B | 100% | $3.28M |
- Clients
- 272
- Regulatory AUM
- $80.9M
- AUM share
- 3.6%
- Avg. per client
- $298K
- Clients
- 378
- Regulatory AUM
- $2.02B
- AUM share
- 90.7%
- Avg. per client
- $5.35M
- Clients
- 20
- Regulatory AUM
- $68.4M
- AUM share
- 3.1%
- Avg. per client
- $3.42M
- Clients
- 4
- Regulatory AUM
- $2.51M
- AUM share
- 0.1%
- Avg. per client
- $628K
- Clients
- 5
- Regulatory AUM
- $54.6M
- AUM share
- 2.4%
- Avg. per client
- $10.9M
Total
- Clients
- 679
- Regulatory AUM
- $2.23B
- AUM share
- 100%
- Avg. per client
- $3.28M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 7
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 500
Koss-Olinger Consulting charges 0.25%–1.00% a year for its Private Client Accounts. The fee is billed in advance, is negotiable and requires an account of at least $2,000,000. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Consulting (Financial Planning) Fees
- Planning fees are based on the complexity of the client's needs and are negotiable; no fee of $1,200 or more is charged for a plan expected to exceed six months.
Kirk Klein owns 25% to 50% of Koss-Olinger Consulting. It has 30 employees, 15 of them in advisory roles.
Staff
- 30 employees
- 15 in advisory functions
- 18 state-registered reps
- 1 broker-dealer rep
- 6 insurance agents
- Owns 25% to 50% of Koss-Olinger Consulting, LLC.
Kirk Klein
Control person · since September 2009
- Owns 25% to 50% of Koss-Olinger Consulting, LLC.
William Rossi
Control person · since September 2009
- Owns 25% to 50% of Koss-Olinger Consulting, LLC.
Brian Watson
Control person · since September 2009
Koss-Olinger Consulting’s regulatory assets grew 2.0× from $1.13B (March 2021) to $2.23B (April 2026); clients fell from 800 to 679 and employees rose from 28 to 30.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Apr 2026April 2026 | $2.23B | 679 | 30 | 2 |
| Jul 2025July 2025 | $2.08B | 727 | 34 | 2 |
| Mar 2024March 2024 | $1.87B | 704 | 34 | 2 |
| Mar 2023March 2023 | $1.52B | 702 | 30 | 1 |
| Apr 2022April 2022 | $1.44B | 709 | 32 | 1 |
| Mar 2021March 2021 | $1.13B | 800 | 28 | 1 |
Besides its headquarters, Koss-Olinger Consulting has 1 office, with 2 listed addresses across 2 states.
Florida · 1 listed address
- 2700-A NW 43rd Street, GainesvilleHQ
South Carolina · 1 listed address
- 355 S. Main Street, Greenville
Other business names
Koss-Olinger Consulting has reported 1 other business name to the SEC.
- Koss Olinger Consulting, LLC
Contact and registration details
- Legal name
- Koss-Olinger Consulting, LLC.
- Headquarters
- 2700-A NW 43rd Street, Gainesville, FL 32606
- Website
- kossolinger.com
- Phone
- 352-373-3337
- @kossolinger
- SEC file
- 801-58175
- Founded
- 1969
- Structure
- Florida LLC
- Fiscal year end
- December
Koss-Olinger Consulting’s named custodian for separately managed accounts is Charles Schwab ($1.99B). Koss-Olinger Consulting has custody of $900M for 570 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Orlando, FL · $1.99B100%
At year end, Koss-Olinger Consulting’s separately managed accounts were mostly in funds (79%) and stocks (12%). Its reported 13F holdings for the quarter ended 30 June 2026 total $1.3B across 172 positions; the largest are Schwab U.S. Large-cap ETF (29.0%), iShares MSCI Acwi EX U.S. ETF (12.9%) and Pimco Active Bond Exchange-traded Fund (9.6%).
What the accounts hold
- Stocks12%
- Exchange-traded equities11%
- Non-exchange-traded equities1%
- Funds79%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash6%
How many clients does Koss-Olinger Consulting have?
Koss-Olinger Consulting has 679 clients and manages $2.23 billion for them, as of April 2026. They include 378 high-net-worth individuals, 272 individual clients, and 20 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 April 2026
What services does Koss-Olinger Consulting offer?
Koss-Olinger Consulting provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, business succession planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Koss-Olinger Consulting charge?
Koss-Olinger Consulting charges 0.25%–1.00% a year for its Private Client Accounts. The fee is billed in advance, is negotiable and requires an account of at least $2,000,000.
Source: KOSS-OLINGER CONSULTING, LLC FIRM BROCHURE - ADV PART 2A 07.16.2025, filed 31 March 2026
Which custodians does Koss-Olinger Consulting use?
Koss-Olinger Consulting’s separately managed account assets are held at Charles Schwab & Co., Inc. (Orlando, FL), with $1.99B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 April 2026
How many financial advisors does Koss-Olinger Consulting have?
Koss-Olinger Consulting has 18 investment adviser representatives registered with state securities authorities, out of 30 employees, and 15 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 6 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Koss-Olinger Consulting invest in?
At the end of its last fiscal year, Koss-Olinger Consulting’s separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities, 6% cash and equivalents, 1% non-exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Koss-Olinger Consulting have a minimum investment?
Yes, Koss-Olinger Consulting’s minimum account size for its Private Client Accounts is $2M.
Source: KOSS-OLINGER CONSULTING, LLC FIRM BROCHURE - ADV PART 2A 07.16.2025, filed 31 March 2026
Who owns Koss-Olinger Consulting?
Koss-Olinger Consulting’s direct owners are Kirk Klein, William Rossi and Brian Watson, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 10 April 2026
How does Koss-Olinger Consulting get paid?
Koss-Olinger Consulting is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Koss-Olinger Consulting?
Koss-Olinger Consulting’s main office is at 2700-A NW 43rd Street, Gainesville, FL 32606. Its phone number is 352-373-3337. Its website is kossolinger.com.