C
Cubed Systems
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$59,300,000
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
40
50% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
40
HighAverage account size
$1,482,500
About
Cubed Systems is a small, independent advisory firm run by a single advisor that provides discretionary investment management and financial planning to individuals, high‑net‑worth clients, and retirement plans, managing about $61.7 million across roughly 40 client relationships. Its services include portfolio management using mutual funds, ETFs, individual securities and bonds, retirement‑plan consulting and participant education, assistance with rollovers, and occasional access to private placements for qualified investors.
The firm’s investment process emphasizes long‑term portfolio construction combined with active monitoring and tactical reallocations informed by fundamental and technical analysis and internal due diligence. Portfolios may include cash sweep allocations, retained legacy positions for tax or fit reasons, and tax‑sensitive adjustments such as tax‑loss harvesting and regular rebalancing to align with client objectives.
Notably, Cubed Systems acts as the sponsor and portfolio manager of a wrap fee program, a structure that is uncommon for solo independent advisers, and it provides ERISA fiduciary retirement‑plan consulting and participant education for pension and profit‑sharing plans. The firm discloses recent regulatory findings related to recordkeeping and client agreement practices that resulted in an administrative consent order and civil penalty and states it has policies and procedures intended to address conflicts and improve compliance.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Tax-loss harvesting
Wealth management
Retirement plans for business owners (SEP, solo 401k)
Occupation focus
Retired
Founder/Business Owner
Fee options
Up to 1.00% annually (0.25% quarterly) — negotiable and based on complexity, asset level, and relationship
Fee-only: Investment advisory fees are based on assets under management and paid quarterly in advance; fees up to 1.00% annually, negotiable.
Most active in
Cubed Systems has reported serving >5 clients in these states in the last 12 months.
California · Nevada
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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