Custos Family Office LLC

Custos Family Office provides investment management, financial planning, retirement plan advisory, legacy management, and family office services to individuals, high‑net‑worth families, charitable organizations, foundations, trusts, estates and plan sponsors. The firm also offers consulting services, sub‑advisory relationships with independent RIAs, and operates a wrap fee program for clients who opt into that service.

The firm’s stated investment approach emphasizes risk management, balancing risk and liquidity across the entire balance sheet and using asset allocation as the primary driver of expected outcomes; it develops personalized investment plans based on client goals, time horizon and risk tolerance. Implementation is unconstrained by traditional asset classes and employs equities, ETFs, mutual funds, fixed income, separately managed accounts, private investments and option strategies (used for hedging or exposure) with client consent.

Compared with many peers, Custos makes a suite of less common service and fee choices: it offers performance‑based fee arrangements for eligible qualified clients, serves as a wrap fee program sponsor, and uses third‑party money managers and sub‑advisory agreements. The firm also discloses insurance‑related activities — some representatives are licensed insurance agents — and deploys derivatives and options in separately managed accounts, indicating a broader set of implementation tools than is typical for similarly sized supported firms.