CEG Life Financial Services

CEG Life Financial Services provides financial planning to individuals and families, offering comprehensive or segmented plans that can address investments, insurance, taxes, and estate issues. The firm’s brochure states it recommends mutual funds and exchange‑traded funds when suitable but does not manage client assets on a discretionary or non‑discretionary basis and does not participate in wrap fee programs.

The adviser’s approach emphasizes collecting and analyzing a client’s income, accounts, insurance coverages, and goals to identify gaps and deliver written recommendations or referrals to other professionals; the firm also offers no‑charge seminars on financial topics. Planning is presented as a long‑term work product completed and delivered to the client, with optional annual or more frequent reviews available under separate engagement.

Several features disclosed in the brochure differentiate CEG from many peers: the firm uses hourly billing rather than percentage‑of‑assets‑under‑management fees and explicitly states it does not charge AUM‑based fees, and its investment adviser representatives are licensed with multiple life, disability, and other insurance companies and may receive commissions for insurance sales (disclosed as potentially consuming up to 160 hours per month). That combination — a planning‑only practice without asset management, use of hourly compensation, and active insurance brokerage activity — is less common among advisers in this regulatory category.