C & T Financial Services Group, Inc.

C & T Financial Services Group provides financial planning and personal advisory services to individuals, high‑net‑worth clients, pension and profit‑sharing plans, estates, charities, and business entities. The firm does not manage client assets on a discretionary basis and does not maintain custody of client funds.

The firm’s work centers on developing written Investment Policy Statements and recommending long‑term, generally mutual‑fund‑based strategies using both fundamental and technical analysis, plus ongoing financial counseling and annual reviews. C & T generally avoids short‑term trading, margin or short sales and typically recommends diversified, multi‑manager mutual fund approaches while leaving implementation decisions to the client.

Notably, advisors at the firm are also registered representatives of a broker‑dealer and clear advisory activity through that broker‑dealer’s clearing relationship with Pershing, a structure that can lead to commissionable product recommendations and insurance sales in addition to advisory work. The firm also does not use percentage‑of‑assets fees (instead relying on fixed planning and consulting arrangements) and operates as a small, referral‑driven practice without a public website, which may affect how services and third‑party programs are offered.