C&D Wealth Advisors

C&D Wealth Advisors, Inc. provides personalized, fee-only investment management and financial planning to a mix of individuals, trusts, estates, charitable organizations, business entities, and pension and profit‑sharing plans. Advice described in the brochure includes investment management, retirement and estate planning, education funding, cash‑flow management and referrals to outside professionals when matters fall outside the firm’s scope.

The firm manages client assets on a discretionary basis and describes a low‑turnover, core equities approach supported by a proprietary economic model for tactical asset allocation. Portfolios are constructed around a core subset of equities (with complementary use of ETFs, mutual funds, fixed income, covered options and, rarely, margin) and accounts are designated Growth, Balanced, or Income to match client objectives; the firm also indicates it may engage sub‑advisers for ETF and mutual fund accounts.

Compared with many small advisers, the brochure highlights a few less common features: the firm reported managing $44.3 million for 69 clients as of December 31, 2023 and discloses an affiliation with an outside adviser who also works at another advisory firm, as well as the use of sub‑advisers and institutional platform services (including certain broker/custodian software and research). It also notes arrangements around retirement plan clients and the explicit payment of sub‑adviser fees from the firm’s advisory income, operational choices that are atypical for peers of this size.