# Robert Holzbach

> Robert Holzbach is a fee-only financial advisor at Red Kennedy Financial in Littleton, Massachusetts. Robert charges a flat fee or retainer, hourly fees and a one-time planning fee (one-time plans from $4,500 and $350 an hour) and focuses on flat-fee planning and small business owners.

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

## Facts

- **Firm:** Red Kennedy Financial
- **Based in:** Littleton, Massachusetts
- **Fee model:** Flat fee or retainer; Hourly; One-time planning fee
- **Fees (firm's website):** one-time plans from $4,500; $350 an hour; a $250,000 asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $27M across 7 accounts
- **Specialties:** Flat-fee planning, Small business owners
- **CRD:** 4726566 (https://adviserinfo.sec.gov/individual/summary/4726566)
- **SEC registration:** Investment adviser representative in MA
- **Exams passed:** Series 65 (2002)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.redkennedyfinancial.com

## Frequently asked questions

### Is Robert Holzbach a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Robert holds no broker registration, and Red Kennedy Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Robert charge for financial advice?

Robert charges a flat fee or retainer, hourly fees and a one-time planning fee.

### How much does Robert charge?

According to Red Kennedy Financial's website, checked October 30, 2026: one-time plans from $4,500; $350 an hour; a $250,000 asset minimum.

### Does Robert work with clients virtually?

Yes. Red Kennedy Financial says on its website that it works with clients remotely.

### Where is Robert Holzbach based?

Robert Holzbach is based in Littleton, Massachusetts.

### What does Robert specialize in?

Robert's specialties include flat-fee planning and small business owners.

### Is Robert Holzbach registered with the SEC?

Yes. Robert Holzbach is registered as an investment adviser representative in MA (CRD 4726566), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Red Kennedy Financial manage?

Red Kennedy Financial reports $27M across 7 accounts in assets under management.

### How do I contact Robert Holzbach?

Through Robert's website, www.redkennedyfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4726566): 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.redkennedyfinancial.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.