Cardinal Financial Consultants, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cardinal Financial Consultants, LLC is a single-advisor registered investment adviser managing about $18 million for roughly 84 clients, offering discretionary and non-discretionary portfolio management to individuals, high‑net‑worth clients, qualified plans, trusts, estates and businesses. Advisory services span cash management and traditional investments (stocks, bonds, mutual funds, ETFs, municipal and government securities) and also include option contracts and insurance products such as life insurance and fixed annuities.
The firm describes a blended investment approach that combines fundamental analysis with extensive charting, technical and cycle/timing analysis, and it adjusts portfolio cash exposure to manage market risk while generally seeking to hold investments long term. The brochure notes the advisor may employ option contracts and, with written client consent, use margin or leverage and subscribes to external timing and newsletter services as part of its research process.
Compared with many solo independent advisers, the brochure highlights a few uncommon features: the principal maintains an active insurance license and the firm lists insurance products among its offerings, it trades derivatives (options) as part of its strategies, and it discloses historical disciplinary matters (including a regulatory censure related to options authority and an arbitration loss). The firm is also in the process of merging its client accounts into another advisory firm with the principal’s planned retirement, a transitional detail that prospective clients may want to consider.
Client services
Expertise
Fee options
1.5% annually
Commissions reported in SEC Part 1, but not detailed in brochure
Main office
4295 Okemos Rd #120
Okemos MI 48864
Advisors at this office
1
Most active in
Michigan
Also doing business as
Cardinal Financial Consultants, LLC · Cardinal Investment Advisors · Cardinal Investment Advisors, LLC · Carsinc · Repaskey, Thomas William
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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