CPA Group Investment Management, LLC
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About
CPA Group Investment Management, LLC is a fee-only registered investment advisor that serves individual clients, including a concentration of high‑net‑worth households. The firm provides discretionary portfolio management and comprehensive financial planning, and typically prepares an Investment Policy Statement for managed accounts when a full financial plan is not completed.
The firm’s investment approach emphasizes long‑term asset allocation grounded in Modern Portfolio Theory, using primarily mutual funds and ETFs with occasional individual equity and fixed‑income positions tailored to each client’s risk tolerance and time horizon. Financial planning is delivered in a multi‑phase process (detailed evaluation, integrated solutions, implementation and targeted reviews) and the firm discloses it acts as a fiduciary for retirement-plan and IRA advice.
What is distinctive is the firm’s affiliation with a full‑service accounting practice: several owners are licensed CPAs and referrals between the advisory entity and the affiliated CPA firm are a recurring feature noted in the brochure, with the firm pointing out the potential conflict of interest that can create. The advisory team is small (two advisors serving about 37 clients with roughly $37.3 million in AUM) and the firm notes flexibility in fee and planning arrangements when advisory and accounting services are provided together.
Client services
Expertise
Occupation focus
Fee options
Financial planning fixed fees up to $10,000 for initial engagement; annual review fees ranging from 25% to 40% of initial planning fee if no portfolio management services.
$0 - $200,000: 1.50% $200,001 - $300,000: 1.25% $300,001 - $500,000: 1.10% $500,001 - $1,000,000: 1.00% Over $1,000,000+: 0.95%
Financial planning services charged hourly up to $250/hour.
Account minimum: $100,000 minimum initial investment to open a managed account (with possible waiver) Fee-only: Portfolio management fees based on tiered percentage of AUM; Financial planning fees charged hourly up to $250/hour or fixed fees up to $10,000; financial planning fees may be reduced or waived if portfolio management is provided.
Main office
501 West 19th Street
Panama City FL 32405
Advisors at this office
2
Most active in
Florida
Also doing business as
Cpa Group Investment Management, LLC · Sc&G Financial Advisors, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Jeremy S
Series 65
Panama City, FL
CPA Group Investment Management, LLC
Jeremy Senterfitt is a financial advisor at CPA Group Investment Management, LLC and holds a Series 65 designation. He has been with CPA Group Investment Management since 2025 and has prior experience at Tipton, Marler, Garner & Chastain, P.A., Panama Country Club, and the University of Florida. Outside of his advisory role, he is a managing member and equal owner of Senterfitt Lawn Care, LLC, a lawn care service business serving private residents and small businesses. CPA Group Investment Management, LLC is a fee-only registered investment advisor serving individual clients, including high-net-worth households. The firm focuses on long-term asset allocation using mutual funds, ETFs, and select individual securities, and provides discretionary portfolio management alongside comprehensive financial planning.
Douglas G
PFS™, Series 65
Panama City, FL
CPA Group Investment Management, LLC
Douglas Gusmus is a financial advisor with CPA Group Investment Management, LLC, holding the PFS™ designation and Series 65 license, and has 25 years of industry experience. He has worked with CPA Group Investment Management and Tipton, Marler, Garner & Chastain, P.A., CPAs since 2004. Outside of advisory work, he is a member of Roundabout 19, LLC, a company that manages a property in Panama City, Florida. CPA Group Investment Management, LLC is a fee-only registered investment advisor serving primarily high-net-worth individuals. The firm offers discretionary portfolio management and comprehensive financial planning, focusing on long-term asset allocation using mutual funds, ETFs, and selected individual securities tailored to client risk profiles.
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