Cumberland Valley Financial Services Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$30,285,091
Total clients
68
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
68
Average account size
$445,369
About
The firm is an independent, state-registered advisory practice that provides ongoing portfolio management and broader financial advice to individuals, pensions and profit-sharing plans, trusts, estates, corporations, and charitable organizations. Clients receive services under an Investment Portfolio Management Agreement and a tailored Personal Investment Policy; the adviser manages accounts on both a discretionary and non-discretionary basis.
The practice operates on a fee-only, percentage-of-assets-under-management basis and typically implements diversified allocations using no-load mutual funds and exchange-traded funds. It documents client objectives and risk tolerance, monitors accounts regularly, and states it may use a range of techniques—while emphasizing long-term mutual fund and ETF holdings—to implement each client’s strategy.
Distinctive aspects include the firm’s work with charitable organizations, a client type that is less common for solo independent advisers, and a large share of assets managed on a discretionary basis relative to non-discretionary assets. The brochure discloses a recent consent order with the state regulator concerning business-continuity and succession procedures and describes the firm’s custody and brokerage relationship with a national custodian that provides operational benefits to the adviser, both of which are disclosed potential considerations for prospective clients.
Client services
Expertise
Fee options
Set-up fee for new accounts ranges between $300 and $600 depending on complexity.
$0 - $250,000: 1.0% $250,001 - $500,000: 0.9% $500,001 - $750,000: 0.8% $750,001 - $1,000,000: 0.7% $1,000,001 - $1,250,000: 0.6% $1,250,001+: By Agreement
Account minimum: No explicit minimum stated; however, a quarterly surcharge applies to accounts with balances less than $10,000 Fee-only: Fees are determined as a percentage of assets under management on a sliding scale as detailed above; no commissions charged.
Main office location
Cumberland Valley Financial Services Inc.
Greencastle PA, United States
Number of offices
1
Most active in
Pennsylvania
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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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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