CDP Financial Group, LLC

CDP Financial Group provides investment advisory services to individuals, retirement plans, trusts, estates and other business entities, managing roughly $100 million in discretionary assets for about 110 clients through a two-advisor team. Its primary offering is individualized portfolio management, and it also provides financial planning, portfolio consulting and business continuity planning.

The firm primarily constructs diversified portfolios using mutual funds across U.S. and international equities, sector funds and a range of bond funds, applying both fundamental and technical analysis and a seven-point mutual fund selection process (including past performance, consistency, manager tenure, fund size, turnover, internal expenses and third‑party ratings). Accounts are generally managed on a discretionary basis according to client risk profiles with asset allocation, rebalancing and dollar‑cost averaging as typical strategies; individual stocks, bonds, ETFs or other assets can be held at a client’s request but are not commonly recommended.

CDP is dually registered — its representatives are registered with Emerson Equity and the firm’s principal is licensed to sell insurance — so clients can implement recommendations either on a fee basis or through commissionable channels (the brochure notes commission business is under 20% of compensation), a structural feature that the firm discloses as a potential conflict of interest. The firm uses Schwab Institutional for custody and receives institutional services, does not operate wrap programs, provides mailed quarterly performance reports in addition to custodian statements, and maintains a negotiable account minimum (generally $50,000).