Ceres Financial Group, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CERES Financial Group, Inc. is a state-registered investment adviser that works with individuals (including high-net-worth clients), pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm provides portfolio management, broad-based financial planning, and consulting for pensions, trusts, and estates, and it also offers an administrative wealth management service (CFG WealthCARE Manager) that integrates planning and account aggregation through the eMoney platform.
CFG constructs client portfolios using customized asset allocations and third‑party model portfolios delivered through its CFG Asset Management programs (including Advisor Managed Portfolios and the Genesis Model Portfolios) and may use mutual funds, ETFs, equities, and fixed income. The firm manages client accounts on a non-discretionary basis — it does not accept discretionary trading authority and seeks client approval before executing trades — and it monitors and rebalances accounts periodically with annual plan updates available.
Noteworthy features relative to peers include the firm’s exclusive reliance on non-discretionary management for all assets (the ADV reports approximately $29.96 million managed on a non-discretionary basis), which is statistically uncommon among supported firms that more often exercise discretionary authority. The firm’s principals are dually licensed as broker-dealer registered representatives and as insurance agents (a disclosed potential conflict of interest), CFG uses Pershing for execution and custody, and it leaves proxy voting to clients rather than voting proxies on their behalf.
Client services
Expertise
Fee options
Fixed fees ranging from $500 to $25,000 for financial planning; $500 to $2,500 for administrative services
$0 - $750,000: 1.20% annually $750,001 - $1,250,000: 1.10% annually $1,250,001 - $2,000,000: 0.95% annually $2,000,001 - $5,000,000: 0.85% annually $5,000,001 - $10,000,000: 0.70% annually $10,000,001+: 0.45% annually
Commission-based compensation through registered representatives for securities and insurance products
$150 to $250 per hour for consulting services
Account minimum: $100,000 for Mutual Fund accounts, $250,000 for Privately Managed Accounts, $500,000 for Consolidated Managed Accounts (negotiable and may be waived) Fee-only: Fixed fees $500 to $25,000 for broad-based planning; Hourly fees $150 to $250 for specific services
Main office
See office909 Washington Street, Suite 202
Stoughton MA 02072
Advisors at this office
1
Offices (2)
Most active in
Florida · Massachusetts
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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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.
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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
Quick links
Advisors at this firm
Michele R
CFP®, Series 63, Series 65
Stoughton, MA
Ceres Financial Group, Inc.
Michele Russell is a CFP® with 26 years of industry experience and has been with Ceres Financial Group, Inc. since 2002. She is also associated with OSAIC Wealth Inc. (formerly Royal Alliance Associates, Inc.) as a registered representative. In addition to her advisory roles, she operates an insurance brokerage as a sole proprietor. Ceres Financial Group, Inc. is a state-registered investment adviser serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm provides portfolio management and comprehensive financial planning, using customized asset allocations and third-party model portfolios, and manages client accounts exclusively on a non-discretionary basis.
Jonathan B
Series 63, Series 65
Fort Meyers, FL
Ceres Financial Group, Inc.
Jonathan Busa is a financial advisor with Ceres Financial Group, Inc. in Fort Myers, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ceres Financial Group since 2001 and also works with OSAIC Wealth Inc. since 1998. In addition to his advisory roles, he serves as Chairman of the Laguna Lakes Community Development District Board Supervisor, overseeing local water and irrigation management. Ceres Financial Group, Inc. is a state-registered investment adviser serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm offers portfolio management, financial planning, and consulting services, employing a non-discretionary investment approach with customized asset allocations and third-party model portfolios.
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