Cutter Financial Group LLC

Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates and charitable organizations, managing about $214.7 million for roughly 522 clients through a small advisory team. Services described in its brochure include income planning (including Social Security and pensions), investment planning, legacy planning, risk management and advanced tax planning, and the firm generally offers portfolio management for individual clients.

The firm describes a “risk-first” investment approach oriented to clients’ retirement income needs, using fundamental and technical analysis and implementing model portfolios primarily through mutual funds supplied by Redwood Investment Management; Cutter may also use third‑party asset managers or sub‑advisors and typically manages accounts on a discretionary basis. Cutter charges asset-based advisory fees and performs regular account reviews, with account implementation carried out through custodians and mutual fund vehicles rather than direct commission-based securities trading.

Notable features that differ from many peers include an affiliated insurance agency, Cutterinsure, through which some firm representatives are licensed to sell insurance and annuity products for commission; the brochure discloses that the affiliate and intermediaries provide commissions, marketing support and other incentives and describes mitigation steps such as written compensation disclosures and a client-specific goals analysis. The firm also uses endorsements and client testimonials and can compensate solicitors for referrals, and its brochure discloses an ongoing SEC enforcement matter alleging inadequate disclosure of compensation and conflicts related to indexed annuities—on which a jury returned a finding of negligent disclosure while the case remains pending.