Kov Financial Advisors, LLC

KOV Financial Advisors, LLC is a registered investment adviser established in December 1997 in Connecticut, providing investment advisory services since January 1998. The firm offers discretionary investment management services on a fee basis, tailored to each client's needs and objectives. Clients must enter into an Investment Advisory Agreement outlining terms, fees, and services. The firm does not provide financial planning services but may recommend other professionals if needed. KOV Financial Advisors primarily uses long-term and short-term investment strategies, with a focus on securities like mutual funds and ETFs. The fee structure is based on a percentage of assets under management, with fees ranging from 1.00% for assets under $500,000 to 0.50% for assets over $1,000,000. Clients may have fees deducted from their custodial account. The firm may receive free or discounted services from TD Ameritrade, its recommended broker-dealer. Clients are encouraged to review their accounts annually, and the firm does not participate in wrap fee programs. KOV Financial Advisors does not have any disciplinary actions on record and does not engage in performance-based fees. Clients include individuals, high net worth individuals, trusts, and corporations, with a minimum asset management requirement of $250,000. The firm does not vote client proxies and does not have custody of client assets. For any questions or clarifications, clients can contact Steven M. Levin, the Chief Compliance Officer.