Cereus Financial Advisors, LLC

Cereus provides investment advisory services to individuals, high‑net‑worth clients, and retirement plans, offering both discretionary and non‑discretionary portfolio management alongside financial planning, annuity management, and retirement‑plan advisory. The firm also offers a structured college‑planning product (branded “College Money Match”) that includes coaching, a college‑planning software portal, and assistance completing FAFSA and CSS Profile forms.

The firm constructs portfolios using a mix of internally developed, generally passive quantitative models and selected unaffiliated managers accessed through platforms provided by SEI and Betterment, and employs active tax management for taxable accounts. Cereus uses third‑party decision‑support tools, including artificial intelligence applications, for research, portfolio analysis, and risk monitoring while maintaining human review and oversight of all recommendations.

Notable features that differentiate Cereus from many peers include its small, focused roster (two advisors managing roughly $39 million for about 31 clients) and the principal’s role as a licensed insurance professional who may receive commissions for insurance sales, a potential conflict the firm discloses. The firm maintains institutional relationships with SEI and Betterment that provide platform and support benefits, advertises third‑party ratings (an uncommon practice among similar supported firms), and offers access to private investments for select high‑net‑worth clients.