Centoic
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Centoic provides advisory services to individual investors who are saving for education expenses, offering subscription access to online educational materials, planning tools, and portfolio-construction guidance, with optional hourly financial-planning consultations. The firm delivers advice through a technology-powered self-service website; clients implement recommendations in accounts they maintain at their own banks or broker-dealers because Centoic does not custody client assets.
The firm’s advice is driven by automated analysis that estimates future education costs, models expected returns and volatility, and recommends allocations to index funds, mutual funds, ETFs, money market funds, and cash equivalents. Its approach emphasizes passive asset management supported by quantitative, technical, and cyclical analysis and modern portfolio theory, with periodic monitoring, alerts, and rebalancing suggestions rather than discretionary trading.
Compared with many investment-manager peers, Centoic puts an uncommon emphasis on education-focused digital tools and educational content and structures compensation through subscriptions and separate hourly consulting rather than percentage-of-assets fees. The adviser operates as a technology-first LLC that also provides technology consulting, maintains no client assets under management, and requires clients to hold their own brokerage or banking relationships.
Client services
Expertise
Fee options
Up to $500 per hour, negotiable depending on engagement
Fee-only: Subscription fees ranging from $50 to $500 annually depending on plan and subscription period
Main office
San Francisco CA
Advisors at this office
1
Most active in
California
Also doing business as
Centoic · Stackflip LLC
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
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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.
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