Certitude Advisors, LLC

Certitude Advisors serves individual and institutional private clients, including individuals and families, trusts, endowments, qualified retirement plan sponsors, and business entities; its client roster specifically includes senior corporate executives, entrepreneurs, nonprofit entities, and individuals experiencing sudden wealth. The firm provides discretionary investment management for both equity and fixed‑income portfolios and offers financial, retirement, and tax planning, as well as tailored services such as preparing investment policy statements when requested.

The firm’s investment approach emphasizes a long‑term horizon, independent security analysis, and a balance between diversification and limited portfolio turnover to improve tax efficiency. Portfolios are generally individually designed (with model portfolios used as appropriate) and managed on a discretionary basis; Certitude operates as a fee‑only adviser, does not accept commissions, and may establish separate non‑managed cash reserve accounts that are excluded from its fee calculations.

Operationally, Certitude has an ERISA fiduciary attestation for retirement accounts and uses Raymond James’ Investment Advisor Division to provide institutional custody and trading access while avoiding wrap programs and IPO investments. The firm declines proxy‑voting authority (clients retain voting responsibility), maintains a formal Code of Ethics and information‑security and business‑continuity programs, and manages about $86 million for roughly 93 clients, reflecting a relatively concentrated, small‑team practice.