Cereus Financial Advisors, LLC

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Client assets under management

$38,448,099

Clients

35% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

$1,240,261

About

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.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

College savings (529s, UTMA, etc.) Private / alternative investments Tax-loss harvesting Wealth management Annuities

Occupation focus

Founder/Business Owner Retired

Demographic focus

Parents

Fee options

Fixed

Financial planning initial fees range from $2,100 to $5,600 depending on client complexity; Renewal fees from $1,050 to $2,800; College planning service $1,500 total fee.

Percentage

$0 - $250,000: 1.00% $250,000 - $500,000: 0.95% $500,000 - $1,000,000: 0.90% $1,000,000 - $2,000,000: 0.85% $2,000,000 - $3,000,000: 0.80% $3,000,000 - $5,000,000: 0.75% $5,000,000+: 0.65%

Project-based

Financial planning services hourly rate of $300/hour; Additional college planning coaching sessions at $300/hour.

Other

Fee-only: Investment management fees based on tiered schedule; Financial planning fees; College planning fees; Retirement plan advisory fees.

Main office location

Cereus Financial Advisors, LLC

795 Franklin Avenue, Suite 205, Building B

Franklin Lakes NJ 07417, United States

Number of offices

Most active in

New Jersey · New York

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

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

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Website (201) 848-6802

Advisors at this firm

Michael D

CFP®

Franklin Lakes, NJ

Cereus Financial Advisors, LLC

Michael Dunne is a CFP® professional with seven years of industry experience. He has been with Cereus Financial Advisors, LLC since 2018 and previously worked at Paloma Partners Management Company from 2001 to 2016. Outside of his advisory role, he serves as Treasurer for the Ramsey Democratic Club, managing the organization’s financial records and contributions. Cereus Financial Advisors provides investment advisory services to individuals, high-net-worth clients, and retirement plans, combining discretionary and non-discretionary portfolio management with financial planning and retirement-plan advisory. The firm employs a mix of passive quantitative models and selected unaffiliated managers, uses third-party decision-support tools including AI applications, and offers a structured college-planning product called “College Money Match.”

College savings (529s, UTMA, etc.) Private / alternative investments Tax-loss harvesting Wealth management Annuities Founder/Business Owner Retired Parents

David H

CFP®, Series 65

Franklin Lakes, NJ

Cereus Financial Advisors, LLC

David Haas is a CFP® and Series 65-registered financial advisor with 12 years of industry experience. He has been with Cereus Financial Advisors, LLC since 2015. Haas serves as Education Director, President-Elect in 2023, and President in 2024 for the Financial Planning Association of New Jersey, where he leads the Education Committee and participates in executive oversight. Cereus Financial Advisors provides investment advisory services to individuals, high-net-worth clients, and retirement plans, offering portfolio management, financial planning, and a structured college-planning product. The firm combines passive quantitative models with selected external managers and employs active tax management, using third-party decision-support tools alongside human oversight.

College savings (529s, UTMA, etc.) Private / alternative investments Tax-loss harvesting Wealth management Annuities Founder/Business Owner Retired Parents

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