Koinos Financial is a registered investment advisor located in Boise, Idaho, founded in 2026 by Mathew Eardley. The firm offers comprehensive wealth management services that combine ongoing portfolio management with personalized financial planning, covering areas such as retirement planning, tax strategies, estate planning, cash flow management, and risk management. Koinos Financial also provides standalone project-based financial planning for clients who do not need ongoing investment management. Portfolios are built using stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents, incorporating strategies like Modern Portfolio Theory, active and passive management, and socially responsible investing. Koinos Financial operates as a fee-only firm, meaning they are compensated solely by their clients and do not accept commissions or third-party product sales fees.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.50% |
| $250K - $500K | 1.25% |
| $500K - $1.0M | 1.00% |
| $1M+ | 0.75% |
Fees are negotiable and household accounts may be aggregated. Subject to a $1,000 minimum annual fee.