CFS Investment Advisory Services LLC

CFS Investment Advisory Services, LLC provides financial planning, consulting, discretionary and non-discretionary investment management, and retirement plan consulting for individuals (including high-net-worth clients), pension and profit-sharing plans, trusts, estates, charitable organizations and business entities. The firm reported approximately $2.73 billion in assets under management as of year-end 2025 and generally applies a minimum portfolio threshold (typically $500,000, with exceptions at the firm’s discretion).

CFS tailors client portfolios using mutual funds, ETFs, individual debt and equity securities and may allocate portions of client assets to Independent Managers, conducting ongoing monitoring and at least annual reviews. The firm documents client objectives, risk tolerance and liquidity needs, offers both percentage-of-AUM and fixed-fee billing options, and manages accounts on both discretionary and non-discretionary bases while advising on held-away products such as variable insurance contracts and 529 plans.

A notable and less-common feature is that one or more of the firm’s supervised persons are licensed insurance brokers who offer commissionable insurance products; CFS discloses this arrangement and the potential conflict while noting clients are not required to use those services. The firm also provides ERISA retirement-plan services that can include 3(21) advisory or 3(38) investment manager roles, uses third-party estate‑planning platforms (Trust & Will and EncorEstate Plans) for implementation, and regularly assesses Independent Managers — practices that involve separate implementation providers and additional third‑party considerations.