C.T. Kares Advisory Group, Inc.

The firm provides investment advisory services to individuals, retirement plans, trusts, estates and charitable organizations, managing client accounts on a non‑discretionary basis. It constructs and manages portfolios predominantly using no‑load and load‑waived mutual funds and allows clients to impose reasonable restrictions on investments.

The firm’s investment approach emphasizes long‑term, buy‑and‑hold strategies with limited trading and portfolio weightings determined by each client’s objectives, investment experience and risk tolerance. Mutual funds are selected using criteria such as performance history, industry sector, manager track record, investment objectives, management style and fee structure, and analysis draws on public sources and charting tools.

Notably, the firm requires clients to direct brokerage to Charles Schwab and participates in Schwab’s institutional services program, which provides operational benefits such as online account access and eligibility for institutional mutual funds. The adviser does not exercise trading discretion, does not aggregate mutual fund purchases, maintains custody only to facilitate authorized fee deductions, and does not vote client proxies, leaving voting decisions to clients.