# Kymberly Watson

> Kymberly Watson is a fee-only financial advisor at Fruth Investment Management in Houston, Texas. Kymberly focuses on retirement planning, estate & legacy planning and family wealth transfer. Fruth Investment Management reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/kymberly-watson/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Fruth Investment Management
- **Based in:** Houston, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $417.8M across 403 accounts
- **Specialties:** Retirement planning, Estate & legacy planning, Family wealth transfer
- **Works with:** High earners, Multi-generational families
- **CRD:** 6223521 (https://adviserinfo.sec.gov/individual/summary/6223521)
- **SEC registration:** Investment adviser representative in OH, TX
- **Exams passed:** Series 66 (2013)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://www.rjfruth.com

## Frequently asked questions

### Is Kymberly Watson a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Kymberly holds no broker registration, and Fruth Investment Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Kymberly charge for financial advice?

Kymberly's firm, Fruth Investment Management, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Kymberly Watson based?

Kymberly Watson is based in Houston, Texas.

### What does Kymberly specialize in?

Kymberly's specialties include retirement planning, estate & legacy planning and family wealth transfer. Kymberly works with high earners and multi-generational families.

### Is Kymberly Watson registered with the SEC?

Yes. Kymberly Watson is registered as an investment adviser representative in OH and TX (CRD 6223521), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Fruth Investment Management manage?

Fruth Investment Management reports $417.8M across 403 accounts in assets under management.

### How do I contact Kymberly Watson?

Through Kymberly's website, www.rjfruth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6223521): 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
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.rjfruth.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.