Your money, guided with purpose — so your future isn’t left to chance.
Every family’s story is different, and your financial plan should reflect yours. We take the time to understand what matters most to you — the people you love, the life you want to build, and the goals worth working toward. From there, we craft investment strategies that are tax-smart, thoughtfully matched to your comfort with risk, and designed around where you want to go. Because the best plan isn’t just built around your money — it’s built around your family.
Published authors in tax-smart retirement & institutional investing · CFP® professionals · Serving Tampa Bay from offices in Tampa & Largo
Advisory Services offered through Compass Financial Management LLC, an SEC Registered investment Advisor.
Multiple accounts. A tax picture that shifts year to year. Equity built over decades in a business or a career. At a certain level of wealth, the questions get bigger: How do I manage taxes and cash flow? Protect what I’ve built? Grow it faster than inflation can erode it? Pass on a legacy that stays intact instead of getting eaten by taxes?
That’s the work we do at KDH Financial.
We build one tax-aware strategy across everything you own — so the pieces finally work together. But the real goal isn’t just a healthier balance sheet. It’s the freedom that comes with it.
Because financial health and physical health aren’t separate. When your money is working in concert — taxes handled, cash flowing, your future protected — the weight lifts. You sleep better. You worry less. You have the room to be present with the people you love, to take the trip, to invest in your health, to actually enjoy what you spent a lifetime building.
That’s what working with KDH Financial feels like: not just a plan for your wealth, but the confidence to live your best life.
We help families turn financial complexity into a clear, tax-smart plan — and stay with them for the long run.
The financial world has no shortage of transactional salespeople. We choose to do things differently.
We focus on building genuine, lasting relationships and working alongside our clients toward their goals. Those relationships rest on a foundation of transparency, shared accountability, and objective advice.
The advisor in your first meeting is the one who still knows your plan in year ten. No call center, no handoff to a junior. We keep our client count low on purpose.
Most firms build the portfolio and leave the tax bill to someone else. We run both together — because what you keep after April matters more than what the statement says you earned.
Cash flow, taxes, risk, investments, estate — most people have all five, run by people who never speak to each other. We coordinate them so every piece pulls the same direction.
Whether you need to organize your personal investments, prepare for a work transition, or protect your business assets, we bring absolute clarity to the decision-making process.
We build retirement income strategies that keep pace with longer lifespans, rising costs, and the lifestyle you want to live.
We design tax-smart withdrawal and Social Security claiming strategies so you keep more of what you've saved.
We coordinate estate planning and wealth transfer with your attorney and CPA, so your assets reach the people and causes that matter most.
Personalized financial planning should reflect your family’s unique story.
We take the time to understand what matters most to you — the people you love, the life you want to build, and the goals worth working toward. From there, we design tax-smart investment strategies matched to your risk tolerance and built around your retirement and legacy goals.
Because the best financial plan isn’t just built around your money — it’s built around your family.
Asset protection has never mattered more. With longer lifespans and higher expectations for retirement, protecting your wealth is essential. Our team helps you spot gaps in your financial plan and coordinate the right protection strategies, working alongside your attorney and CPA on estate planning and legal structures so it all aligns with your long-term goals.
Long-term investment management built on goals-based investing, institutional discipline, and tax-efficient strategies.
At KDH Financial, we start with what you want to achieve and build your portfolio around it — investing with a multi-decade horizon and managing actively within it.
Passing on what you’ve built shouldn’t be left to chance. We coordinate tax-efficient strategies for transferring wealth across generations, working with your legal team so your estate moves the way you intend — intact.
Financial planning isn’t just about spreadsheets, formulas, and market benchmarks. It’s about your life, your family, and the milestones you want to achieve. We look at the complete picture of your financial health — cash flow, taxes, risk, investments, and legacy — to build personalized financial planning strategies that align with your true priorities.
As fiduciaries, we’re committed to acting in your best interest, with advice free from product quotas or hidden agendas. We speak plainly, provide knowledgeable guidance, and walk alongside you through every market cycle.
Our client-focused financial planning puts your goals first. We combine personalized wealth management with informed market insight to guide thoughtful, long-term financial decisions built around you and your family.
How We Work
Tap any step to see what to expect. Our financial planning process follows a disciplined, proven framework — built around your situation, not a one-size-fits-all template.
Step 01
At KDH Financial, our mission is to provide the clarity and confidence families need to move forward toward the future they desire. We believe financial planning should bring peace of mind — helping you enjoy today while preparing wisely for tomorrow. Founded by Kevin Harwood, a seasoned financial advisor with more than 25 years of experience, KDH Financial is built on a foundation of trust, integrity, and personal attention. The KDH team are committed to guiding clients with care, offering tailored strategies that reflect each individual’s goals, values, and vision for the future.
"We take real pride in this work. When a client trusts us with what they've spent a lifetime building, getting it right isn't a goal — it's the job."
Take control of your financial future today. KDH Financial empowers smarter investments, secure growth, lasting confidence in your managed wealth.
Established Tampa Bay families and business owners who want a long-term, tax-smart plan. We're not built for day-trading, market-timing, or first-time investors — and we'll tell you honestly if we're not the right fit.
We're a fee-based firm: That means we charge a transparent advisory fee for the planning and investment management we provide, plus disclosed commissions on certain products when they're part of your plan. Since commissions can create a conflict of interest, we disclose them and will always be clear about how we're compensated — with full details available in our Form ADV and Form CRS.
Yes. As your investment adviser, we act as a fiduciary in our advisory relationship and are committed to providing advice in your best interest. Where commission-based products are part of your plan, a different standard may apply — and we disclose that clearly. Full details are available in our Form ADV and Form CRS.
A focused conversation about where you are and where you're headed — this initial consultation gives us the chance to learn what matters most to you — your goals, your family, and your vision for the future — while you get to know our team and our planning process.
Absolutely. Remote planning is something we've refined into a seamless experience — clients across the country work with us by secure video with the same depth, personal attention, and responsiveness they'd get in person.
As an independent financial advisory firm, we're structured to offer a more personal experience than many large institutions. Rather than fitting you into a standardized package, we build your financial plan around your specific goals and circumstances. That means personalized attention, direct access to your advisor, and the flexibility to accommodate complex or out-of-the-ordinary requests that larger firms may not be set up to handle. To us, you're a relationship — not an account number.
Yes. Our secure client portal gives you 24/7 access to your financial accounts and is updated daily, so your full picture is always current. It's an easy way to stay informed, track your progress, and feel confident knowing where you stand — anytime, anywhere.
We believe you should always understand exactly what you're paying and why. As a fee-based firm, we're fully transparent about how we're compensated, and we'll walk you through every cost that applies to your plan before you make any commitments — no surprises, no hidden charges. Because the specifics depend on the scope and complexity of your situation, we'll review your exact fees with you directly, and you can find complete details in our Form ADV and Form CRS.
