C
C 3 Financial Strategies
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$8,512,908
Clients
28
4% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
28
TypicalAverage account size
$304,032
About
C 3 Financial Strategies is a sole‑advisor registered investment adviser managing about $8.5 million on a discretionary basis for roughly 28 clients, primarily individuals as well as some high‑net‑worth and institutional entities. The firm offers personalized financial planning and ongoing portfolio management, investing mainly in institutional‑style no‑load mutual funds, ETFs and fixed‑income securities, and provides covered option trading for select clients with separate account approval.
The firm’s investment approach is centered on asset allocation principles grounded in Modern Portfolio Theory and the use of model portfolios across conservative to aggressive risk profiles, with periodic portfolio reviews and tax‑aware actions such as tax‑loss harvesting rather than routine automatic rebalancing. Financial planning work typically covers cash flow, insurance, taxes, retirement and estate planning, and the adviser will evaluate retirement plan rollovers under a fiduciary standard.
What is atypical for a firm of this size is that the sole adviser is also a licensed insurance agent who devotes a portion of time to selling life, disability and other insurance products and may receive customary commissions, a relationship the brochure discloses. The firm also conducts public educational seminars on subjects such as retirement planning, Social Security and Medicare, maintains a trade‑error reimbursement policy, and documents covered‑option trading as an offered service—features that are less common among similarly structured independent advisers.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Options & derivatives strategies
Fee options
$0.00 - $249,999.99: 1.00% $250,000.00 - $499,999.99: 0.95% $500,000.00 - $749,999.99: 0.90% $750,000.00 - $999,999.99: 0.85% $1,000,000.00 - $1,499,999.99: 0.80% $1,500,000.00 - $1,999,999.99: 0.70% $2,000,000.00+: 0.60%
Commissions received by Brenda Coyle for insurance products sales as a licensed insurance agent
Fee-only: Fee-only basis for discretionary investment advisory services; financial planning on a quoted project fee basis; no minimum fee for financial planning
Most active in
C 3 Financial Strategies has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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