Desiree Kaul
Tax preparation and financial planning that reflects each client's values, from a planner with years of counseling and teaching experience.
Kaul Financial Solutions · Satellite Beach, Florida
Desiree Kaul is a fee-only financial advisor at Kaul Financial Solutions in Satellite Beach, Florida, who holds the CFP, ChFC and EA credentials. Desiree charges a subscription, a one-time planning fee and hourly fees (no asset minimum) and focuses on tax planning and retirement planning.
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Specialties
Who they serve
- Early-career professionals
About
Desiree Kaul is a CFP® professional, Enrolled Agent, ChFC®, ChSNC®, MQFP® and AFC® who launched Kaul Financial Solutions in 2024 to offer tax preparation and financial planning advice. She grew up without much understanding of money, and working through her own financial hiccups sparked a passion for the field. She believes financial wellness looks different for everyone.
Desiree's background spans counseling, planning and education. She taught service members as a Personal Financial Counselor with Zeiders, counseled economically vulnerable people through the Virginia Cooperative Extension, taught K-12 financial literacy with Junior Achievement, prepared returns for H&R Block, and later worked at MainStreet Financial Planning and Plancorp.
The spouse of a retired Army veteran, Desiree lives in Satellite Beach, Florida. Her firm is built on transparency, clarity, confidence and integrity.
Facts
| Firm | Kaul Financial Solutions |
|---|---|
| Based in | Satellite Beach, Florida |
| Fee model | Subscription · One-time planning fee · Hourly |
| Fees (firm's website) | No asset minimum |
| Fees (Advice-Only Network profile) | Subscription $200 a month · One-time plans from $750 · $250 an hour |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Credentials | CFP · ChFC · EA |
| SEC registration | Investment adviser representative in FL, TX · CRD 7698121 |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | www.kaulfinancialsolutions.com |
| Profile |
How Desiree's firm compares
- Ongoing planning starts at $2,400 a year, below the Florida median of $4,200 for fee-only firms that publish prices.
- A one-time plan starts at $750, below the Florida median of $2,500 for fee-only firms that publish prices.
- The hourly rate is $250, below the Florida median of $300 for fee-only firms that publish prices.
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Questions about Desiree
Is Desiree Kaul a fee-only financial advisor?
Yes. Desiree Kaul is listed in the SEC adviser records (the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 29, 2026 show no broker registration and no commission compensation reported by Desiree's firm.
How does Desiree charge for financial advice?
Desiree charges a subscription, a one-time planning fee and hourly fees.
How much does Desiree charge?
According to Kaul Financial Solutions's website, checked October 30, 2026: no asset minimum.
Does Desiree work with clients virtually?
Yes. Kaul Financial Solutions says on its website that it works with clients remotely.
Where is Desiree Kaul based?
Desiree Kaul is based in Satellite Beach, Florida.
What does Desiree specialize in?
Desiree's specialties include tax planning and retirement planning. Desiree works with early-career professionals.
What credentials does Desiree Kaul hold?
Desiree Kaul holds the CFP, ChFC and EA credentials.
Is Desiree Kaul registered with the SEC?
Yes. Desiree Kaul is registered as an investment adviser representative in FL and TX (CRD 7698121), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How do I contact Desiree Kaul?
Through Desiree's website, www.kaulfinancialsolutions.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- Advice-Only Network listing : advice-only practices, no product sales
- Kaul Financial Solutions website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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