Comprehensive Capital Management, Inc.

Comprehensive Capital Management, Inc. provides investment advisory and financial planning services to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, and other businesses. Its offerings include discretionary and non‑discretionary portfolio management, model portfolio programs (including Vanguard ETF strategic models), selection and monitoring of third‑party money managers, retirement plan consulting, and written financial plans.

Advisors at the firm employ a mix of strategic and tactical asset‑allocation approaches, combining fundamental, technical and charting analysis; the brochure discloses that some advisors use market‑timing signals and active management techniques such as option strategies, mutual‑fund telephone switching, and margin. Portfolios may be managed directly or via model overlays, rebalanced on a scheduled or event‑driven basis, and clients may impose reasonable investment restrictions.

Noteworthy features include an unusually high client‑to‑advisor ratio (over 200 clients per advisor), a multi‑office structure and formal affiliations with a broker‑dealer, other advisory entities and an affiliated insurance agency, which the firm discloses can create additional revenue streams and potential conflicts of interest (for example, 12b‑1 credits and margin revenue sharing). The firm has disclosed prior regulatory matters — including state and SEC actions related to supervisory failures and a share‑class disclosure settlement — and reports having engaged independent compliance reviews and implemented remediation measures.