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See our Form ADV Part 3/Customer Relationship Summary.

*Kirtland Financial Management, Inc. ("KFM") is an Independent Investment Adviser located in Coral Gables, Florida. Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability.  The Raymond James corporate Privacy Notice can be accessed here. The information provided on this website is for informational purposes only and is not intended to provide any investment advice or service. The contents offer general information only about KFM and its services and should not be acted upon without obtaining specific advice from a licensed professional regarding the readers own situation or concerns KFM and its representatives are in compliance with the current registration and/or notice filing requirements imposed by the SEC upon investment advisers by those states in which KFM maintains clients. For information pertaining to the registration status of KFM, please contact the SEC and/or the state securities law administrators for those states in which KFM maintains a notice filing. A copy of KFM's current written disclosure statement (Form ADV Part 2) discussing KFM's business operations, services, and fees is available from KFM upon written request. KFM does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to KFM's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. KFM enters into a new client relationship only after it provides and obtains certain information. Every prospective KFM client is provided with a copy of KFM’s Privacy Notice, Form ADV Part 2A and B. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

Kirtland Financial Management, Inc. (KFM) is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. Investment advisory services offered through Kirtland Financial Management, Inc. 

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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Please read these additional Important Disclosures.