Purposeful financial planning for the life you want to live.
Fee-only. Planning-first. One advisor who knows your full picture.
You've done the right things. But your financial questions are getting harder.
You’ve saved consistently. Made smart money decisions. Built a life you love.
Now you’re asking the next set of questions, the ones that turn what you’ve built into the life you actually want:
Am I on track, and how much better could it look? When’s the right time to take Social Security? How do I keep more of what I’ve earned, and pay less in taxes? Are the people I love actually taken care of? Can I actually retire into this next chapter?
These aren't questions you can Google-search or AI your way through. They require a real plan, and a partner who stays on top of it year after year for you, not just at tax time.
That’s what Kelos Wealth Planning is here for.
WHAT MAKES KELOS WEALTH PLANNING DIFFERENT
I’ve spent 25 years watching what goes wrong when planning is treated as an afterthought. Kelos was built to do it differently: life-focused planning always leads the conversation, advice is never shaped by commissions, and you work with me directly.
Tax-efficient strategy is at the heart of what I do.
Tax planning for pre-retirees and retirees is where I'm most in my element: Medicare income brackets, Roth conversion timing, withdrawal sequencing, 401(k) distribution strategy, Social Security claiming decisions, and planning ahead for the widow's tax penalty. Most people leave real money on the table when it comes to taxes in retirement. I'm here to make sure that you're not "most people."
Relationships built on trust.
When you reach out, you’ll talk to me, not an automated messaging system. You’ll always recognize the voice on the other end of the line, and I’ll know yours.
Planning first.
Every Kelos relationship starts with a real financial plan, one that looks at your full picture and builds a strategy that fits. Everything else flows from there.
Details you don’t have to chase.
Proactive communication. Clear follow-ups. Coordination with other professionals. You’ll never wonder what’s happening or feel like you have to call to check in.
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WHO THIS IS FOR
I work best with people who are ready to hand off their financial complexity.
My clients are thoughtful individuals and families who’ve built real financial lives and want a trusted partner who stays ahead of things so they don’t have to. They’re not looking to become market experts. They want someone who handles the details. What they share isn’t a balance sheet. It’s a mindset: they value expertise, they’re ready to delegate, and they want a relationship, not a transaction.
Women Entering a New Chapter
Navigating a significant shift, on your terms.
Retired & Ready for Real Planning
Already retired. Ready for a plan that goes beyond investment management.
Pre-Retiree Couples
Within 10 years of retirement. Ready to stop winging it.
Women Who’ve Done the Work
Disciplined. Capable. Ready to see the full picture, even if retirement is on the distant horizon.
Why I built Kelos Wealth Planning.
Over 25 years working across nearly every corner of this industry, I learned what clients actually need, and it shaped the advisor I’ve become. I saw firsthand what planning looks like when it’s done well, and what’s missing when it isn’t. Each experience taught me something I carry into every relationship today: that people deserve more than products, more than commissions dressed up as advice. They deserve a real plan built around their actual life.
That’s what led me to build Kelos Wealth Planning. The name is personal: a blend of my own name and the Greek word “telos,” meaning purpose. Because I believe financial planning should be purposeful, personal, and built around what genuinely matters to you, not managed in isolation from your actual life.
I’m Julie Kist, a CFP® practitioner based in Cincinnati, specializing in tax planning, retirement income strategy, and building relationships where clients feel genuinely known.
Julie Kist, CFP®
Getting started is simpler than you think.
Step 1:
A Real Conversation
We start with a no-pressure introductory call. You share what’s going on in your financial life and what you’re hoping for. I share how Kelos works. No jargon, no obligation, just an honest conversation to see if we’re a good fit.
Step 2:
A Plan Built Around You
If we move forward, I will build your financial plan from the ground up, considering your goals, taxes, timeline, and concerns, and put it together in a way that finally makes sense.
Step 3:
An Ongoing Relationship
This is where the real work happens. I stay engaged, update your plan as your life changes, and make sure nothing falls through the cracks. You focus on living. I handle the rest.
You don’t have to have it all figured out to get access to real, helpful financial planning.
Most people come to Kelos not quite sure where to start. That’s exactly what the first conversation is for.