Kilcullin Financial Life Planning, LLC

Kilcullin Financial Life Planning, LLC is a fee-only investment adviser registered with the securities regulators of Illinois, Louisiana, Missouri, with a mailing address in O'Fallon, Missouri (its office is a private residence, so the street address is not published). On its latest Form ADV, filed March 31, 2026, it reports $66M in regulatory assets under management, 96 individual clients and 1 employee who gives investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.

Key facts from Form ADV

Registration	State-registered: Illinois, Louisiana, Missouri
Firm CRD number	281362
Office	O'Fallon, MO (mailing address; office not published)
Phone	(636) 459-0725
Website	www.kilcullinflp.com
Regulatory assets under management	$66M
Individual clients	35 non-high-net-worth, 61 high-net-worth
Financial planning clients	51-100
How it charges	Percentage of assets, Hourly, Fixed fee
Services	Financial planning, Portfolio management, Educational seminars
Employees	1
Disciplinary disclosures	None reported
Latest Form ADV filing	March 31, 2026

Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.

What this means for you

• It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
• It also charges a percentage of assets managed for ongoing investment management.
• Most of its individual clients are high-net-worth, which on Form ADV means they meet the SEC’s qualified-client or qualified-purchaser test: broadly, more than $1 million managed by the adviser or a net worth above $2 million, with the thresholds indexed for inflation.
• It provides financial planning services, not only portfolio management.
• It reports no disciplinary history on Form ADV.

Before you hire any adviser

Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.

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