How could you benefit from the services of a qualified financial advisor?

You may not have the time, the expertise, or the desire to plan and manage certain financial portions of your life. You may want help just getting started. You may benefit from an objective perspective on what are often emotional, difficult decisions. In today’s busy world, it can be beneficial to have a financial expert double-checking your efforts and making sure you stay on track.

Who is KMS Financial Services, Inc?

KMS is an independently operated, wholly owned subsidiary of Ladenburg Thalmann Financial Services Inc., whose subsidiaries include Ladenburg Thalmann & Co. Inc., a member of the New York Stock Exchange since 1879.

Founded in 1971, KMS provides investment and advisory back office support as well as access to financial markets, account services, and a wide range of investment vehicles. The firm asserts compliance with the rules and guidelines of various regulatory bodies, including the Financial Industry Regulatory Authority (FINRA), the Securities and Exchange Commission (SEC) and all 50 State Securities regulators.

How are advisors compensated?

Our objective is for you to succeed in your investment plan. Most of our compensation is tied to the assets we manage or oversee on your behalf.  We offer two basic formats depending on your situation:

Fee Based: We are compensated through fees for consultation, plan development, or investment management. These fees are typically based on a percentage of assets under management. Some services are provided on a fixed-fee basis.

Commission Based: We are compensated on the purchase or sale of securities or insurance products selected to meet your financial objectives.

Under either compensation format, we monitor your investments regularly, and our presentations of investment results are shown net of fees.

Who is Pershing?

Through its clearing relationship with Pershing LLC, KMS provides access to publicly traded stocks, bonds, and options plus a broad universe of mutual funds, exchange traded funds, unit investment trusts, variable life and annuities and cash management services. Pershing is a subsidiary of The Bank of New York Mellon, the nation’s oldest continuously operating bank, and has provided securities brokerage services since 1939.

How is my account protected?

Accounts held at Pershing, LLC are protected up to the total amount held in the account. Of this total, the Securities Investor Protection Corporation (SIPC) provides $500,000 of coverage, including $250,000 for claims for cash. Remaining coverage is provided by Pershing LLC through a commercial insurer. Account protection applies when a SIPC member firm fails financially and cannot meet its obligations to securities customers. It does not protect against losses from the rise and fall in the market value of investments.

You may obtain information about SIPC, including the SIPC brochure, at (202) 371-8300 or .

How do we proceed?

The first step is to meet and discuss your objectives, concerns and goals. This is a no obligation, no cost consultation.  From there we can mutually decide on appropriate next steps. To get started either complete the contact form or simply give us a call at (800) 823-2098.


Auburn, CA
400 Auburn Folsom Road
Auburn, CA 95603-4727
(530) 823-2098

Granite Bay (By Appointment Only)
7646 Stonewood Court
Granite Bay, CA 95746
(916) 833-8140

Phone: (530) 823-2098 | (800) 823-2098
Fax: (530) 823-2091