Caruso Family Financial Advisors (CFFA) LLC

The firm advises individuals (including high‑net‑worth households), pension and profit‑sharing plans, charitable organizations, and business entities, providing ongoing portfolio management and pension consulting services. It prepares individualized investment policy statements and manages accounts on both a discretionary and non‑discretionary basis for a client base of roughly 50 clients with about $24.5 million in assets under management.

CFFA employs a mix of analytical approaches — charting, cyclical, fundamental, modern portfolio theory, quantitative and technical analysis — and implements long‑term, short‑term and options strategies, including covered and uncovered options. The firm typically allocates among mutual funds, ETFs (including precious‑metals ETFs), REITs, annuities and inflation‑linked bonds and may use model allocations together with client‑specific recommendations tied to each client’s risk tolerance and time horizon.

Noteworthy distinctions include the availability of performance‑based fee arrangements for qualified clients that incorporate a hurdle and a high‑water‑mark mechanism, a feature that is uncommon among similar supported firms. The firm also requires clients to custody assets at specified platforms (MoneyBlock and Charles Schwab Advisor Services) and discloses adviser registration as broker‑dealer representatives, insurance licensing, and certain family members’ outside business activities as potential conflicts that it documents for clients.