CSD Financial LLC

The firm serves individual clients — including high‑net‑worth households — as well as corporations and pension/profit‑sharing plans. It provides comprehensive and goal‑based financial planning, a beginner‑focused “Investly” planning and investment service, discretionary and non‑discretionary investment management (including recommending and monitoring third‑party model portfolio managers), and ERISA 3(21) retirement plan consulting.

The firm tailors portfolios to client objectives using in‑house and third‑party model portfolios, seeks to match clients with suitable third‑party advisers, and conducts at least annual reviews while maintaining oversight of recommended managers. Its disclosures note that it treats cash and margin as part of assets under management for billing purposes and that it can provide both direct management and recommendations to third‑party advisers, practices that it documents alongside expanded risk disclosures.

Notable differences from many peers include an owner who holds an insurance license but does not actively use it or promote insurance sales, and a detailed set of risk disclosures addressing contemporary topics such as direct indexing, securities‑backed lines of credit (SBLOCs), political risk, and artificial intelligence risks. The firm also documents its role in assisting clients with SBLOC applications (without receiving loan fees) and reports a material level of assets under advisement in addition to discretionary assets under management.