CDFinancial

CDF provides investment advisory services primarily to individual clients, offering discretionary asset management alongside financial planning and consulting — ranging from full financial plans to topic-specific consultations. The firm generally charges fees based on assets under management and tailors portfolios to clients’ stated goals, time horizons, and risk tolerances.

The firm typically manages accounts with discretionary authority and may use a sub-advisor program (AE Wealth Management) to access model portfolios, third‑party managers, and trading services while retaining responsibility for the client relationship and for selecting or terminating sub‑advisors. Investment methods noted in the brochure include fundamental and technical analysis and may employ long- and short‑term positions, options, and margin strategies; accounts are reviewed at least annually.

What is distinctive is that the firm is a solo practice with an unusually high client load (roughly 249 clients per registered advisor) and maintains an affiliated insurance business; the principal is a licensed insurance agent who devotes a portion of time to insurance activities and may offer commissionable insurance products. The firm discloses this affiliation and related conflicts of interest and describes procedural mitigations (client disclosures, consent options, and fiduciary obligations) when recommending insurance or appointing sub‑advisors.