CSP Financial Group LLC

CSP Financial Group serves individual and high‑net‑worth clients as well as business entities, offering discretionary asset management, financial planning, donor‑advised giving, portfolio analysis (MRI), ERISA retirement‑plan advisory (3(21) and 3(38)) services, and seminars. The firm also acts as a co‑advisor/referrer to third‑party managers such as Matson Money and provides held‑away account management for 401(k), TSP and HSA accounts.

The firm’s investment process is built around Modern Portfolio Theory and predominantly long‑term purchases, with customized asset allocation, ongoing monitoring, and periodic rebalancing tied to clients’ goals and risk tolerances. CSP conducts due diligence and annual reviews of third‑party managers, and leverages Matson Money programs (including access to Free Market Funds and DFA mutual funds) along with tax‑aware asset‑location and opportunistic rebalancing for held‑away assets.

Notable disclosures in the brochure differentiate CSP from many peers: an affiliated person spends significant time operating as an independent insurance agent (with separate commission compensation), the firm receives a portion of third‑party manager fees when referring clients, and it has an arrangement with an external estate‑planning service provider for which it may receive fees; these relationships are disclosed and described as potential conflicts. Together with its mix of ERISA fiduciary services, paid MRI analyses for Matson Money clients, and reliance on third‑party manager placements, this combination of insurance activity and referral/fee arrangements is more concentrated than is typical for multi‑team firms.