CPA Group Investment Management, LLC

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Client assets under management

$32,000,000

Clients

24% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$969,697

About

CPA Group Investment Management, LLC is a fee-only registered investment advisor that serves individual clients, including a concentration of high‑net‑worth households. The firm provides discretionary portfolio management and comprehensive financial planning, and typically prepares an Investment Policy Statement for managed accounts when a full financial plan is not completed.

The firm’s investment approach emphasizes long‑term asset allocation grounded in Modern Portfolio Theory, using primarily mutual funds and ETFs with occasional individual equity and fixed‑income positions tailored to each client’s risk tolerance and time horizon. Financial planning is delivered in a multi‑phase process (detailed evaluation, integrated solutions, implementation and targeted reviews) and the firm discloses it acts as a fiduciary for retirement-plan and IRA advice.

What is distinctive is the firm’s affiliation with a full‑service accounting practice: several owners are licensed CPAs and referrals between the advisory entity and the affiliated CPA firm are a recurring feature noted in the brochure, with the firm pointing out the potential conflict of interest that can create. The advisory team is small (two advisors serving about 37 clients with roughly $37.3 million in AUM) and the firm notes flexibility in fee and planning arrangements when advisory and accounting services are provided together.

Client services

Financial planning Portfolio management

Expertise

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Tax strategies for small businesses

Occupation focus

Founder/Business Owner

Fee options

Fixed

Financial planning fixed fees up to $10,000 for initial engagement; annual review fees ranging from 25% to 40% of initial planning fee if no portfolio management services.

Percentage

$0 - $200,000: 1.50% $200,001 - $300,000: 1.25% $300,001 - $500,000: 1.10% $500,001 - $1,000,000: 1.00% Over $1,000,000+: 0.95%

Project-based

Financial planning services charged hourly up to $250/hour.

Other

Account minimum: $100,000 minimum initial investment to open a managed account (with possible waiver) Fee-only: Portfolio management fees based on tiered percentage of AUM; Financial planning fees charged hourly up to $250/hour or fixed fees up to $10,000; financial planning fees may be reduced or waived if portfolio management is provided.

Main office location

CPA Group Investment Management, LLC

501 West 19 Th Street

Panama City FL 32405, United States

Number of offices

Most active in

Florida

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 850-769-9491

Advisors at this firm

Jeremy S

Series 65

Panama City, FL

CPA Group Investment Management, LLC

Jeremy Senterfitt is a financial advisor at CPA Group Investment Management, LLC and holds a Series 65 designation. He has been with CPA Group Investment Management since 2025 and has prior experience at Tipton, Marler, Garner & Chastain, P.A., Panama Country Club, and the University of Florida. Outside of his advisory role, he is a managing member and equal owner of Senterfitt Lawn Care, LLC, a lawn care service business serving private residents and small businesses. CPA Group Investment Management, LLC is a fee-only registered investment advisor serving individual clients, including high-net-worth households. The firm focuses on long-term asset allocation using mutual funds, ETFs, and select individual securities, and provides discretionary portfolio management alongside comprehensive financial planning.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Tax strategies for small businesses Founder/Business Owner

Douglas G

PFS™, Series 65

Panama City, FL

CPA Group Investment Management, LLC

Douglas Gusmus is a financial advisor with CPA Group Investment Management, LLC, holding the PFS™ designation and Series 65 license. He has 24 years of industry experience and has worked at CPA Group Investment Management and the affiliated CPA firm Tipton, Marler, Garner & Chastain, P.A. since 2004. Outside of his advisory work, he is a member of Roundabout 19, LLC, a non-public entity that manages a property in Panama City, Florida. CPA Group Investment Management, LLC is a fee-only registered investment advisor serving primarily high-net-worth individuals. The firm emphasizes long-term asset allocation based on Modern Portfolio Theory, offering discretionary portfolio management and comprehensive financial planning, and maintains a unique connection with an affiliated CPA firm.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Tax strategies for small businesses Founder/Business Owner

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