CSG Financial

CSG Financial is a fee-only registered investment adviser that works primarily with individual clients, including high-net-worth individuals, and with employer plan sponsors. The firm offers discretionary investment management, ongoing and project-based financial planning, and retirement plan services, and implements portfolios using third-party custodians and outside managers as appropriate.

The firm builds client-specific investment policies focused on asset allocation and a mix of passive and active strategies, generally favoring long-term holdings while retaining discretion to trade for client accounts. CSG implements portfolios through platforms it recommends (including a Betterment for Advisors option and Schwab custody), may engage outside managers, and discloses the use of alternative investments when suitable for a client’s objectives.

CSG is a recently formed advisory firm (registered in 2024) with three principals and a relatively small client base and assets under management, which shapes its operational practices and client service model. Distinctive features disclosed in the brochure include the firm’s use of independent solicitors for client referrals (including SmartAsset), participation in Betterment’s wrap program for some clients, and a stated policy of executing client trades on an individual rather than aggregated (block) basis; firm principals also hold professional credentials focused on financial planning and retirement plan fiduciary work.