C.J.Gilbert Financial Llc

C.J. Gilbert Financial LLC provides investment management services to individuals (including high‑net‑worth individuals), trusts, and individual retirement plans. The firm delivers advisory services exclusively through sub‑advisory agreements with independent investment managers rather than by directly managing client portfolios.

The firm begins with personal meetings and a comprehensive review to establish each client’s objectives, risk tolerance, and any investment restrictions, and then oversees implementation and ongoing monitoring while the independent managers handle day‑to‑day trading. Accounts are reviewed at least quarterly and clients receive consolidated reporting; CJGF shares a portion of its advisory fee with the independent managers while charging clients a single, consolidated advisory fee.

Distinctive features include that CJGF does not execute trades or maintain custody of client assets (aside from client‑authorized fee deductions), and it does not vote proxies for securities held in client accounts, placing emphasis on manager selection and relationship oversight. The firm commonly places retirement assets in wrap‑fee programs via its managers, operates without a separate formal Code of Ethics given its reliance on unaffiliated managers, and reports no disciplinary history.