Cooper Financial Investments, LLC

Cooper Financial Investments, LLC provides financial planning, consulting and referral services to individuals and high‑net‑worth clients. The firm functions primarily as a liaison to third‑party money managers (TPMs) rather than directly managing client assets or executing trades; clients are billed according to the TPMs’ fee schedules.

CFI’s approach is to match clients with TPMs and provide ongoing support—assisting with account paperwork, delivering TPM disclosures, reviewing quarterly statements, and documenting client objectives and any investment restrictions. The firm also offers standalone financial plans and runs public educational seminars and workshops at no cost, while monitoring client accounts on a quarterly basis without exercising discretionary trading authority.

Noteworthy aspects include an affiliated insurance business in which the firm’s managing member devotes the majority of his time and may receive commissions or referral fees for insurance and estate‑planning referrals, and disclosed minority‑ownership links between the firm’s parent company and one TPM that can create incentive relationships. The firm also disclosed an administrative enforcement finding from 2014 concerning the marketing and sale of fixed indexed annuities (resulting in a payment to a state investor protection fund); CFI identifies these affiliations and the disciplinary history as potential conflicts and states they are mitigated through disclosures and fiduciary procedures.