Cates FP, Cates Tax Advisory
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$48,105,863
Clients
70
30% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
70
Very HighAverage account size
$687,227
About
Cates FP serves individual and high‑net‑worth clients with a combination of investment management, ongoing financial and tax planning, and tax compliance services. The firm also provides personal and business tax return preparation and represents clients before the IRS, and it manages client assets (approximately $48 million across about 70 client relationships as reported).
The firm’s investment approach is primarily passive, using diversified asset‑class exposures (index mutual funds and ETFs) guided by client‑specific investment policies, asset allocation targets, and periodic reviews; fundamental and cyclical analysis are used as complementary inputs. Financial planning is delivered in modular, ongoing engagements with seasonal tax and planning workflows (e.g., a February–April tax focus and quarterly portfolio reviews) so investment decisions are considered alongside tax and cash‑flow objectives.
What distinguishes this firm from many peers is the integration of a tax preparation and IRS‑representation practice (operating under a tax advisory DBA) alongside wealth management, a feature that is uncommon among independent RIAs. The brochure discloses in‑house tax services for both individuals and businesses and the firm’s use of specific plan platforms (e.g., certain 529 and ORP/TSA solutions), reflecting a practice that blends tax compliance and planning with portfolio management.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Income planning
General tax planning
Business ownership considerations
Occupation focus
Self-Employed
Founder/Business Owner
University Employee
Fee options
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.75% $1,000,001 - $3,000,000: 0.50% $3,000,001+: 0.25% $0 - $100,000: 1.50% $100,001 - $300,000: 1.25% $300,001+: 1.00% $0+: 0.75% (flat rate if investment management requested with ongoing financial planning but not Comprehensive service)
Financial planning: $250 per hour; IRS representation: $175 per hour
Ongoing financial and tax planning: $150 to $400 per month
Minimum fee: $5,000 minimum annual fee for Comprehensive Tax and Wealth Management Services Fee-only: Ongoing financial and tax planning: $150 to $400 per month (monthly subscription)
Main office location
Cates FP, Cates Tax Advisory
Gainesville TX, United States
Number of offices
1
Most active in
Cates FP, Cates Tax Advisory has reported serving >5 clients in these states in the last 12 months.
Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
-
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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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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