Planning leads
Goals, obligations, timing, liquidity, and risk capacity establish the purpose of the portfolio.
Planning-led advice · disciplined execution
Built for the moments that matter.
Kairos connects investment advice to the decisions, obligations, and opportunities shaping a client’s broader financial life.
Kairos is a fee-only advisory firm providing investment management and financial planning under written advisory agreements.
01
About Kairos
Preparation before action
The right decision depends on the right sequence.
Kairos means the right or decisive moment—the point where preparation, judgment, and opportunity come together.
Kairos is a complete, independently engageable registered investment-advisory firm. Planning establishes the purpose of the portfolio; implementation follows a documented advisory process.
Advice is defined by the client’s written engagement. Kairos is accountable for the investment-management and financial-planning advice it provides, and client understanding and authorization precede implementation.
Sequence matters
Recommendations follow an orderly process built around the client’s circumstances and engagement.
Complexity must earn its place
Advice should be understandable, purposeful, and proportionate to the problem it solves.
Authorization precedes action
Responsibilities and decisions are documented before implementation.
02
Advisory services
Purpose, scope, accountability
Advice connected to the larger financial picture.
Clients may engage Kairos for one or more services. Each service is governed by a written advisory agreement defining its scope, fees, responsibilities, and monitoring.
Investment Management
Portfolio construction, implementation, monitoring, rebalancing, and reporting under a written advisory agreement.
Integrated Advisory Planning
Planning connects the portfolio to goals, liquidity, retirement, taxes, estate considerations, and risk. Core planning is included for portfolio-management clients.
One-Time Financial Planning
A defined project with identified questions, assumptions, deliverables, fee, and completion event. Continuing monitoring is not implied after delivery.
Ongoing Financial Planning
Recurring planning and monitoring under a separate agreement and fee. Expanded planning may be included in qualifying portfolio-management relationships.
Retirement & Rollover Advice
Documented planning concerning employer plans, IRAs, retirement income, liquidity, distributions, and available rollover alternatives.
Business-Owner & Complex-Decision Planning
Advice concerning business value, liquidity, succession considerations, concentrated wealth, retirement priorities, and family obligations.
Fees, scope, and review cadence are defined in the client agreement and Form ADV. Kairos does not separately bill for planning already included in a portfolio-management engagement.
Kairos provides investment management and financial planning. It does not prepare tax returns, sell insurance, or draft legal documents.
03
Investment approach
Every asset needs a purpose
Define the job before building the portfolio.
Investment implementation begins only after Kairos develops a reasonable understanding of the client’s goals, constraints, liquidity needs, time horizon, and risk capacity within the advisory engagement.
- 01
Establish purpose
Clarify the obligations, objectives, constraints, and decisions the portfolio must support.
- 02
Map time and liquidity
Separate near-term needs from longer-term capital before evaluating return objectives.
- 03
Construct deliberately
Balance risk, diversification, implementation cost, tax considerations, and client-specific restrictions.
- 04
Implement with authority
Act only within the written discretionary or non-discretionary mandate and the client’s documented instructions.
- 05
Monitor to the engagement
Review and adapt at the cadence and within the domains the client agreement expressly defines.
Investing involves risk, including possible loss of principal. Diversification and asset allocation do not guarantee a profit or protect against loss.
04
Firm and custody
Advice and custody
Kairos advises. Schwab holds client assets.
Kairos RIA, LLC
Provides investment management and financial planning under written advisory engagements. Kairos is accountable for the advice it provides.
Charles Schwab & Co., Inc.
Holds assets for standard managed accounts and provides account statements, trade execution, technology, and account infrastructure.
Kairos and Schwab are separate and unaffiliated. Kairos does not directly hold client cash or securities, and Schwab does not supervise or endorse Kairos. Additional custody information appears in Kairos’s Form ADV.
05
Leadership
Accountability begins with people
Roles defined by capacity.
Kairos leadership roles are stated by firm capacity. Current registration and disclosure information remains available through IAPD.
President · Chief Compliance Officer · Investment Adviser Representative
James Fredrick Collins
James leads Kairos’s advisory work and compliance program.
View IAPD record (opens in a new tab)
Chief Executive Officer · Assistant Chief Compliance Officer
Jason Michael Burton
Jason leads executive management, governance, and compliance administration. He is not an Investment Adviser Representative and does not provide investment advice.
Regulatory information
Current records over hard-coded claims.
Kairos RIA, LLC is a state-registered investment adviser. Registration does not imply a particular level of skill or training. Advisory services are offered only where Kairos and its representatives are properly registered or qualify for an exemption or exclusion from registration.
The official public record controls current registration status, jurisdictions, disclosures, and associated individuals.
View the official IAPD firm summary (opens in a new tab)- Legal name
- Kairos RIA, LLC
- CRD number
- 341881
- Principal office
- 219 N. Boylan Avenue
Raleigh, NC 27603 - Compensation
- Asset-based investment-management and financial-planning fees
- Current jurisdictions and IAR roster
- Confirm through the official IAPD record and current Form ADV
- Custodian for standard managed accounts
- Charles Schwab & Co., Inc.
Begin with clarity
Contact Kairos operations.
Reach out about Kairos investment management or financial planning. Email is not used to provide advice or accept client instructions.
06
Website notices and privacy
General website disclosureRead notice
Scope of this website
Kairos RIA, LLC is a state-registered investment adviser. Registration does not imply a particular level of skill or training. Advisory services are offered only where Kairos and its representatives are properly registered or qualify for an exemption or exclusion from registration.
This website provides general information about Kairos and its advisory services. It is not individualized investment, tax, legal, insurance, or accounting advice, and it does not create an advisory relationship. Services and fees are governed by the applicable written advisory agreement and current Form ADV.
Investing involves risk, including possible loss of principal. No statement on this website guarantees investment results. Current registration and disclosure information is available through the official IAPD firm summary (opens in a new tab).
Kairos privacy noticeRead notice
Kairos limits access to nonpublic personal information and uses it only for authorized advisory, operational, security, professional-review, or legal purposes. Access and disclosure are governed by applicable law and the firm’s privacy notice.
Privacy inquiries may be directed to Larie@KairosRIA.com without including sensitive information.