Walnut Creek, CA Office

Cedar Wealth Management serves primarily individual clients, including high‑net‑worth individuals as well as trusts, estates, and retirement plan clients, managing about $417 million across roughly 64 client relationships with three advisors. The firm provides discretionary and non‑discretionary portfolio management, financial planning and consulting (including stand‑alone planning engagements), and may recommend placing portions of client assets with unaffiliated third‑party managers for style diversification.

The firm’s investment approach emphasizes long‑term, globally diversified asset allocation informed by capital market assumptions, implemented through individual securities, mutual funds, ETFs and private investment partnerships, with periodic rebalancing and a mix of long‑ and short‑term purchase strategies. Portfolios are customized to client goals and risk tolerance, may retain legacy undiversified holdings transferred by clients, and advisory fees are billed as a percentage of assets under management on a monthly basis.

Noteworthy aspects include an ownership affiliation with a separate accounting practice (CWM Accountancy LLP), which offers tax and accounting services under separate engagement agreements and creates specific custody and onboarding limits when that accounting firm has check‑signing authority; clients are not required to use those accounting services. The firm’s most recent brochure amendments disclosed material changes — including removal of a previously offered automated investment program and personnel changes — disclosures that are relatively uncommon among peers in its supported‑firm category.