Dahring | Cusmano and Associates

Dahring | Cusmano serves individuals — including high‑net‑worth clients — and a range of entity clients such as family offices, trusts, estates, private foundations and qualified retirement plans. The firm provides comprehensive financial planning and both discretionary and non‑discretionary investment advisory and portfolio management services.

The firm’s investment process is client‑driven and asset‑allocation centered, emphasizing an understanding of each client’s financial situation, risk profile, tax considerations and liquidity needs; it generally uses mutual funds and ETFs but will include equities, corporate bonds, REITs and annuities where appropriate. For retirement‑plan clients Dahring | Cusmano offers specialized services, including acting as a 3(38) fiduciary to select, monitor and replace plan investment options and providing plan support such as benchmarking and participant education.

What is distinctive in the brochure is the firm’s breadth of retirement‑plan work and accompanying plan services — assistance with platform/provider searches, plan set‑up and conversions, plan benchmarking, participant education and help with plan mergers — and disclosure that it may receive finder/referral fees from plan service providers. The firm also describes advisory personnel who are dually registered with a broker‑dealer and licensed as insurance professionals and participation in custodial programs (e.g., Schwab Advisor Services), and it discloses related conflicts and policies intended to address them.