Cadger Tax and Financial Inc.

Cadger Tax and Financial Inc. provides discretionary model portfolio management and financial planning to individuals, small businesses, trusts and charitable clients, managing roughly $9.2 million across about 40 accounts. The firm also provides tax preparation and consulting in a separate capacity and its representatives may sell insurance and other financial products for additional, customary commission compensation.

Investment management is delivered through a set of model asset-allocation portfolios with objectives ranging from capital preservation to aggressive growth, implemented on a discretionary basis and allocated among equities, fixed income, ETFs, mutual funds and alternative instruments. The firm’s process combines top‑down macro analysis with both fundamental and technical security selection and, when appropriate to client objectives, may use options, short positions, margin and leveraged or inverse exchange‑traded products.

What is noteworthy for a firm of this size is the combination of advisory and tax/accounting services—its adviser is a licensed tax practitioner who performs paid tax work separate from advisory fees, and the brochure discloses how those relationships are managed to address conflicts of interest. The firm also offers educational seminars or workshops (typically free or cost‑recovery), and it explicitly includes access to less common investment vehicles such as private placements, non‑traded REITs, BDCs and structured products that many peers do not list.