Disclosures
Know the entity, capacity, and engagement.
This page identifies which work belongs to Semper Fidelis Financial, where professional limits apply, and when a separate provider and agreement are required.
Semper Fidelis Financial is its trade name. SFF is an independent non-advisory enterprise and is not a service department, adviser brand, or agent of Kairos RIA, LLC.
Entity and engagement
Services are provided by J.F. Collins Wealth Management, LLC dba Semper Fidelis Financial only after the applicable scope, provider, fee, and engagement terms are established. Website use, a portal link, education, or a referral does not by itself create a client relationship.
SFF service scope
SFF may help clients organize their financial lives, identify priorities, prepare for decisions, and coordinate tax, insurance, estate, education, and advisory professionals. SFF may also provide tax return preparation; separately scoped tax planning or consulting; licensed insurance and risk-management services; estate-information and document organization; and general financial literacy, coaching, publishing, and media. SFF does not provide investment advice or investment management. Availability depends on the engagement, jurisdiction, license, appointment, credential, and facts involved.
Compensation by capacity
SFF may charge separately agreed fees for its non-advisory work, including tax preparation or consulting, relationship and planning coordination, estate-organization and Vanilla-related support, education, and coaching. Licensed insurance activity may generate carrier commissions or disclosed referral compensation, depending on the arrangement. Kairos advisory and financial-planning fees are governed only by a separate Kairos agreement and Kairos disclosures. SFF does not receive those Kairos fees.
Tax services
Tax return preparation and any planning or consulting work are separately scoped. Tax representation or resolution is offered only when the responsible professional has the authority and credentials required for that matter. SFF does not use a generic “registered with the IRS” claim. Taxpayer information is used and disclosed only as permitted by law and, when required, with specific consent under Internal Revenue Code Section 7216 and related rules.
Insurance services
Insurance activity is conducted only by appropriately licensed and appointed persons or entities, in jurisdictions and for products within their authority. Educational discussion is not an insurance contract, and coverage is not effective until issued by the insurer. SFF does not offer securities products or services. Securities-related advisory services are provided only through Kairos RIA, LLC under a separate Kairos engagement.
Estate organization and Vanilla
SFF may help clients inventory information, organize documents, identify open questions, and use client-directed self-help technology such as Vanilla. SFF does not provide legal advice; choose legal instruments or forms; draft, revise, or interpret legal documents; or opine on legal validity. Attorneys and other legal professionals are separately engaged and responsible for legal services.
Education, publishing, and media
SFF educational and publishing material is general and does not provide individualized professional advice. All individualized financial advice, investment management, and securities-related advisory services are provided only through Kairos RIA, LLC under a separate Kairos engagement. A request for follow-up is routed only with the person’s direction and does not create an engagement.
Kairos RIA relationship
Kairos RIA, LLC is a separate registered investment adviser and a peer affiliate of SFF through common ownership and personnel. Neither firm is the parent, umbrella, internal department, or agent of the other. A person may engage SFF, Kairos, both, or neither. All financial advisory, investment-management, and securities-related advisory services require independent acceptance by Kairos, a separate Kairos agreement, and Kairos disclosures.
When a matter calls for those services, SFF may identify the issue and direct the person to the Kairos website. The affiliation and potential conflict are disclosed, client choice is preserved, information is shared only with proper authorization, and no advisory relationship begins unless Kairos independently accepts the person. SFF does not provide or receive compensation for investment-management or securities-related advisory services.
Fi Foundation and educational destinations
Fi Foundation is a separate mission organization, not an SFF program or client database. Any related work must remain separately governed, documented, and appropriately priced. QFiRE and other educational destinations may be related resources, but a link does not merge their identity, records, obligations, or audiences with SFF.
External platforms and professionals
Drake Portals, Vanilla, Microsoft 365, eMoney, and other linked systems are separately operated technology destinations. Use the system connected to your actual engagement and review its terms. A platform link is not an endorsement, guarantee, or engagement. eMoney access shown here is for separately served Kairos advisory clients.
No guarantees
No website content promises tax results, insurance coverage, legal validity, suitability, safety, or any guaranteed financial result. Consult the appropriately licensed or qualified professional about your circumstances. Kairos maintains its own disclosures for financial advisory, investment-management, and securities-related advisory services.