Cadia Private Client LLC

Cadia Private Client LLC provides discretionary wealth management, financial planning, and retirement-plan advisory services to individuals, families, trusts, estates, charitable organizations, pension and profit-sharing plans, and businesses. The firm reports roughly $192.5 million in discretionary assets under management, operates with two advisors and serves over one hundred clients, and charges advisory fees based on assets under management while serving in a fiduciary capacity.

The firm constructs customized portfolios tailored to clients’ goals and risk tolerance and generally employs a long-term investment approach while performing shorter-term trades for rebalancing or liquidity needs. Portfolios may include ETFs, mutual funds, individual securities and bonds and, where appropriate, option contracts, structured products, alternative investments and ETFs with digital-asset exposure; the firm may also allocate portions of client assets to unaffiliated independent managers and provides ongoing oversight of those relationships.

Cadia Private is affiliated with an insurance-marketing affiliate, Cadia Benefits LLC, and certain advisory persons are licensed as independent insurance professionals and may receive commission-based compensation for insurance sales (clients are not required to purchase insurance through the affiliate), a relationship the brochure discloses as a potential conflict of interest. The firm also participates in an institutional platform relationship with Fidelity that provides research and technology support, and for a two-advisor RIA managing roughly $192.5 million it offers both standalone planning engagements and access to alternative strategies and independent manager arrangements that may be atypical for firms of its size.