Comprehensive Financial Services
Your financial life is unique, complex, and fluid. Kanawha Capital Management
offers an extensive variety of integrated planning, investment, and non-investment
custom services to help you build wealth and confidence.
offers an extensive variety of integrated planning, investment, and non-investment
custom services to help you build wealth and confidence.
Financial Planning
We believe that financial planning should be proactive and dynamic.
It starts with a judgement-free understanding of your current situation, future goals, concerns, and priorities.
This open communication and coordinated planning continues throughout each stage of your life.
Retirement
Retirement planning begins with examining your current assets, retirement income needs, and sources, including 401(k)s, pensions, and Social Security. From there, we help you navigate the complexities of the accumulation, transition, and distribution phases of retirement planning.
Tax Planning & Coordination
Minimizing taxes increases your investment returns, and more importantly, the amount of money you actually get to spend or save as a result. We work closely with you and your tax advisor to plan for and minimize potential tax obligations.
Estate Planning
A good estate plan guides and protects your family. KCM partners with you and your attorney to be sure necessary legal documents, such as wills and trusts, are in place and up to date. We can also help you evaluate and choose the best suited trustee, whether it be a bank, family member, friend, or other advisor.
Business Ownership
Owners of closely held businesses often face a myriad of unique wealth planning challenges including, management and ownership succession, liquidity needs, and concentrated business risk. Working closely with your existing legal and tax advisors, Kanawha develops and coordinates strategies designed to address the unique needs of this group.
Challenging Life Transitions
Divorce or the passing of your life partner is not only emotional, it can also thrust you into the unfamiliar position of being solely in charge of financial decisions for you and your family. Our team is here to provide support and financial education in a safe and trusting environment. We can help make sense of your new financial situation, and hopefully create confidence and some peace of mind.
Charitable Giving
We recognize the importance of leaving a legacy not only to your family, but to your community. Our team can help find ways to give that are good for your donees and your taxes.
Insurance Analysis
KCM can review coverage and liability limits, as well as identify the need for specialized coverage. If changes or additions are recommended, they are implemented by working through either your established relationships or a third-party broker specializing in the needs of wealthy families and individuals. Since Kanawha is not an insurance broker, we can evaluate insurance solutions in a more objective manner.
Family Wealth Issues
When intra-family wealth issues arise due to varying ages, personalities, and levels of financial sophistication, our team can help. We use our decades of experience to facilitate conversations, educate, and guide your family’s financial future.
The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Kanawha does not serve as an attorney, accountant, or insurance agent. Kanawha does not prepare legal documents or tax returns, nor does it sell insurance products.
Investment Management
Portfolio Construction
Kanawha’s investment process is centered on each account, one client at a time. We customize every portfolio to reflect your specific objectives, risk profile, time horizon, and tax considerations. However, we do so within a consistent and rigorous analytical framework.
Portfolios are broadly diversified to provide the appropriate balance between risk and return. We utilize individual stocks to diversify portfolios across sectors and industries while incorporating exchange-traded funds and fixed income securities to provide exposure to additional asset classes.
We do not use outside money managers. All of our investment professionals have earned the prestigious designations of Chartered Financial Analyst (CFA®) and/or CERTIFIED FINANCIAL PLANNER™ (CFP®).
Risk Management
All investments carry some level of risk. Our team combines technology and our experience to identify and quantify these levels.
If we do not fully understand an investment product, we do not recommend it.
Your portfolio is managed based on the level of risk that you are comfortable taking to achieve your financial goals. We meet regularly to discuss changes in your life that may affect your risk tolerance, and we make adjustments accordingly.
Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Kanawha) will be profitable, equal any historical performance level(s), or prove successful. The achievement of any professional designation, certification, degree, or license, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Kanawha is engaged, or continues to be engaged, to provide investment advisory services.