Planning leads
Goals, obligations, timing, liquidity, and risk capacity establish the purpose of the work.
Planning-led advice · disciplined execution
Built for the moments that matter.
Kairos RIA, LLC brings financial planning, investment management, and operating discipline together for meaningful financial decisions through selective, referral-based relationships.
Legal firmKairos RIA, LLC
RegistrationState-registered adviser
Advisory modelFee-only · fiduciary
Principal officeRaleigh, North Carolina
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.
The firm was created to support a more deliberate advisory model: planning before implementation, clarity before action, and disciplined coordination across the decisions that shape a client’s financial life.
Kairos accepts new relationships by invitation or referral and maintains a selective capacity so the work can remain personal, accountable, and carefully sequenced.
Sequence matters
A sound decision made at the wrong time—or in the wrong order—can create avoidable risk.
Complexity must earn its place
Every recommendation should be understandable, purposeful, and proportionate to the problem it solves.
Consent precedes action
Client understanding, documented responsibilities, and informed authorization come before implementation.
02
Advisory services
Purpose, structure, accountability
Advice connected to the larger financial picture.
Kairos helps clients organize financial decisions, connect investment strategy to the larger plan, and move from analysis to implementation in a deliberate sequence.
Financial planning
Organizing goals, resources, obligations, cash flow, and major transitions into a coherent decision framework.
Investment management
Discretionary or non-discretionary portfolio guidance informed by purpose, time horizon, liquidity, risk capacity, and tax considerations.
Retirement planning
Coordinating accumulation, income, distributions, Social Security, pensions, and the transition from earning to living.
Tax-aware & estate coordination
Connecting investment decisions with tax considerations, beneficiary planning, legacy priorities, and client-selected professionals.
Business-owner planning
Organizing business value, liquidity, succession, personal wealth, retirement priorities, and family responsibilities.
Ongoing stewardship
Monitoring, review, rebalancing, risk-management coordination, and adjustment as markets and circumstances change.
Services may be delivered through ongoing or project-based engagements. Kairos does not provide legal or tax advice and coordinates with qualified professionals where appropriate.
03
Investment approach
Every asset needs a purpose
Define the job before building the portfolio.
An investment portfolio should have a job. Kairos begins by defining what assets must accomplish, when they may be needed, and what risks the client can reasonably carry.
- 01
Establish purpose
Clarify goals, obligations, constraints, and the 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
Monitor and adapt
Review the plan and portfolio together as circumstances, markets, and priorities evolve.
Investing involves risk, including possible loss of principal. Diversification and asset allocation do not guarantee a profit or protect against loss.
Clear roles. Deliberate separation.
A firm structure designed for accountable advice.
Kairos is the registered advisory firm and operating platform. Custody is provided separately, and distinct advisory practices may operate under properly registered DBA names.
Kairos RIA, LLC
Financial planning, investment advice, portfolio management, supervision, and advisory operating discipline.
Charles Schwab
Custody, statements, trade execution, technology, and account infrastructure for applicable advisory accounts.
Affiliated practices
Separate DBA practices may serve distinct client communities while operating through the Kairos advisory structure.
Kairos Risk Solutions, LLC
Insurance products and services are offered through Kairos Risk Solutions, LLC by appropriately licensed and appointed insurance professionals. Kairos Risk Solutions is separate from Kairos RIA; insurance activity is not an investment-advisory service and may involve commissions.
Simplicity relationship
Brokerage relationships requiring a separate arrangement may receive coordinated servicing through Simplicity. These are not brokerage services of Kairos RIA, LLC.
Semper Fidelis Financial remains a separate client-facing website and one current DBA associated with Kairos. It is not the identity of this corporate site. Future DBA relationships and outside-business descriptions will be added as the firm evolves.
04
Leadership
Accountability begins with people
Leadership grounded in preparation and responsibility.
Kairos is owned equally by its two founding partners. James Collins is the firm’s sole functioning Investment Adviser Representative; Jason Burton is not registered as an IAR.
Founding Partner · President · Chief Compliance Officer
James Fredrick Collins
James serves as Kairos’s Financial Strategist and sole functioning Investment Adviser Representative. A former United States Marine, he earned an MBA in Finance from Ohio University after developing his interest in financial strategy while serving and investing alongside fellow Marines.
Founding Partner · Chief Executive Officer
Jason Michael Burton
Jason is a fifth-generation attorney and founder of Burton Law Firm, PLLC. A graduate of Glenville State College and valedictorian, summa cum laude, of Elon University School of Law, he brings executive judgment, governance experience, and a disciplined client-first perspective to Kairos. Jason is not an Investment Adviser Representative and does not provide investment advice.
Regulatory information
Transparency belongs in the main experience.
Kairos RIA, LLC is a state-registered investment adviser. Advisory services are offered only in jurisdictions where the firm and its representatives are properly registered or qualify for an exemption or exclusion from registration.
View the official IAPD firm summary- Legal name
- Kairos RIA, LLC
- CRD number
- 341881
- Current review status
- Ohio and North Carolina approved; Florida filing pending
- Investment Adviser Representative
- James Fredrick Collins · Ohio and North Carolina approved
- Ohio approval date
- April 7, 2026
- Custodian
- Charles Schwab, for applicable accounts
Begin with clarity
An introductory conversation starts with the questions that matter.
It is an opportunity to understand your needs, explain the Kairos process, and determine whether a selective, referral-based advisory relationship may be appropriate.
05
Website notices
General website disclosureRead disclosure
Warranties and disclaimers
There are no warranties implied.
Kairos RIA, LLC (“Kairos”) is a registered investment adviser located in Raleigh, North Carolina. Kairos may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.
This website is limited to the dissemination of general information about Kairos and its advisory services, together with access to additional investment-related information, publications, and links. Publication of this website should not be construed as a solicitation to effect securities transactions or as the rendering of personalized investment advice for compensation over the Internet. Any subsequent direct communication with a prospective client will be conducted by a representative who is registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.
Information about Kairos’s registration status and current written disclosure statement, including information regarding its business operations, services, and fees, is available through the Investment Adviser Public Disclosure website or from Kairos upon written request.
Kairos makes no representation or warranty regarding the accuracy, timeliness, suitability, completeness, or relevance of information prepared by an unaffiliated third party, whether linked from this website or incorporated into it. Third-party information is provided solely for convenience, and users should be guided accordingly.
This website is provided for general guidance and informational purposes only. Investments involve risk and, unless otherwise stated, are not guaranteed. Consult a qualified financial adviser and/or tax professional before implementing a strategy. This website is not intended to provide individualized investment, tax, legal, or accounting advice.
Insurance products and services are offered through Kairos Risk Solutions, LLC and appropriately licensed and appointed insurance professionals. Kairos Risk Solutions, LLC is separate from Kairos RIA, LLC. Insurance activity is not an investment-advisory service and may involve commissions.
Marketing disclosureRead disclosure
Kairos RIA, LLC is a registered investment adviser. Information presented on this website is for educational purposes only and is not intended as an offer or solicitation for the sale or purchase of any specific security, investment, or investment strategy.
Investments involve risk and, unless otherwise stated, are not guaranteed. Consult a qualified financial adviser and/or tax professional before implementing a strategy discussed on this website. Past performance is not indicative of future performance.
Privacy commitmentRead policy
Kairos protects the nonpublic personal information of current and former clients and limits access to people who need the information to provide or support requested services.
Information is disclosed to unaffiliated third parties only as needed to provide an authorized service, protect against fraud or security threats, support professional or regulatory reviews, or comply with applicable law.
Privacy inquiries may be directed to LThomas@SemperFi.Financial.