Fort Meyers, FL Office

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.