Clearwater, FL Office

CGN Advisors provides advisory services to a broad client base that includes individuals and families (including high-net-worth clients), pension and profit-sharing plans, businesses, foundations, and charitable organizations. The firm’s service menu spans comprehensive financial planning, investment consultation and portfolio monitoring, ongoing investment supervisory services, real‑time planning sessions, educational workshops, select tax return preparation, and pension consulting.

The firm describes a long‑term, globally diversified investment approach that blends asset allocation with a mix of Modern Portfolio Theory, core‑plus‑satellite, and active management where appropriate; it emphasizes fiduciary duty, periodic due diligence, and regular portfolio reviews (typically quarterly) and may recommend or engage institutional third‑party managers. CGN generally manages accounts on a discretionary basis for supervisory services, uses Charles Schwab & Co. as its recommended custodian for managed accounts, and provides written investment policy summaries to guide portfolio construction.

Several features noted in the brochure distinguish CGN from many peers: some associates operate separate legal or accounting practices and may offer legal or tax services under distinct agreements, and the firm both recommends and engages registered investment adviser firms as sub‑advisors or third‑party managers for client portfolios. The brochure also discloses custody‑related arrangements (fee deductions through a qualified custodian and use of standing letters of authorization) and describes the firm’s compliance processes and SEC‑aligned safeguards for those arrangements.