CedarMill Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
2
0% 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
2
Very LowAverage account size
$0
About
Cedarmill Financial is a single-advisor independent registered investment adviser that provides discretionary portfolio management, ongoing financial planning, and consulting services, including small-business CFO and tax/accounting support. The firm states it serves individuals, trusts, estates, charitable organizations and corporate or business clients, with particular emphasis on owners of closely held or privately held businesses.
The advisor implements a passive, indexed approach using third‑party model portfolios and a mix of ETFs, mutual funds, exchange‑listed securities and fixed‑income instruments on a discretionary basis, and it applies a fundamental top‑down review of model allocations to align sector and industry exposures with client objectives. The firm emphasizes long‑term investing with occasional tactical cash positions or portfolio reallocation and requires clients to use a designated custodian and platform for execution and custody.
Cedarmill is notable among solo independent advisers for offering portfolio management to corporate/business and institutional‑type clients and for allocating a large share of firm time to non‑investment planning for privately held business owners (approximately 60% per the brochure). The firm also reported a very small client base and no assets under management as of December 31, 2025, and its principal divides time between the advisory practice and other business activities, which may affect capacity compared with larger advisory firms.
Client services
Financial planning
Portfolio management
Tax strategy and business consulting
Expertise
Passive / index investing
Tax strategies for small businesses
Business Financial Management
Cash flow / budgeting
General tax planning
Occupation focus
Founder/Business Owner
Fee options
Onboarding fee ranges from $200 to $500 (one-time); fixed fee for financial planning $600 to $3,600 per year
0.40% annually
$150 per hour for small business CFO/advisory and certain one-time financial planning engagements
Fee-only: Financial planning fixed fee ranges from $600 to $3,600 per year; hourly fee of $150/hour for certain services; onboarding fee $200 to $500 (one-time)
Main office location
CedarMill Financial
Chesterfield MO, United States
Number of offices
1
Most active in
CedarMill Financial has reported serving >5 clients in these states in the last 12 months.
Missouri
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 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.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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