CPR Financial & Insurance Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CPR Financial & Insurance Services provides discretionary and non-discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and corporate retirement plans. The firm also offers ERISA-focused services as a limited-scope 3(21) fiduciary and sells insurance products on a commission basis, including participant education and plan-support work for retirement plans.
The firm’s investment process emphasizes fundamental analysis and individualized investment policy statements, with mandates that may use both long- and short-term trading and goals-based model portfolios. CPR routinely delegates portfolio implementation to sub‑advisors and third‑party managers and uses multiple platforms and programs (including SEI Managed Account Solutions and SEI mutual fund models, the Betterment for Advisors platform, and an Orion/Brinker intake and Riskalyze questionnaire workflow) to construct and monitor client portfolios.
What is distinctive in the brochure is the firm’s material insurance brokerage activity and formal insurance affiliations — the principal devotes a significant portion of professional time to insurance sales and board service in the insurance industry, and the firm discloses commission-based insurance activities. The brochure also discloses use of endorsements and testimonials in advertising and describes revenue-sharing and incentive arrangements with certain third‑party managers (including a tiered participation incentive), with related conflicts and the firm’s stated mitigation measures.
Client services
Expertise
Fee options
Fixed financial planning fees range from $200 to $2,000 depending on complexity; $300 flat fee for Client Directed Accounts with GI
$0+: 0.5% to 2% (negotiable) for direct asset management $0+: 0.10% to 1.25% for SEI Managed Account Solutions (SIMC fees) $0+: 0.82% annually for CPR Financial portion (Betterment platform) $0+: 1.15% total advisory fee on Brinker platform (0.90% CPR portion, negotiable) $0+: Client Directed Accounts: $300 flat fee (GI) $0+: GI Asset Management fees from 1.00% to 2.15% depending on portfolio type (flat fee schedules) $0 - $500,000: Beacon Capital Management: 1.80% annually $500,001 - $1,000,000: Beacon Capital Management: 1.40% to 1.30% $1,000,001+: Beacon Capital Management: 1.10% annually $0+: Pacific Financial Group Managed Portfolios: 0.75% annually $0 - $500,000: Separately Managed accounts by PFG: 2.00% $500,001 - $3,000,000: Separately Managed accounts by PFG: 1.50% $3,000,001 - $5,000,000: Separately Managed accounts by PFG: 1.00% $5,000,001 - $10,000,000: Separately Managed accounts by PFG: 0.80% $10,000,001+: Separately Managed accounts by PFG: Subject to negotiation $0+: AMP Wealth Management: 1.50% annually
Insurance products sold for commissions by principal owner; not charged by advisory firm
Up to $400 per hour for financial planning and consulting services
Fee-only: Financial planning fixed fees range from $200 to $2,000 depending on complexity; hourly fees up to $400/hour
Main office
See office603 E. Broadway St
Prosper TX 75078
Advisors at this office
3
Offices (2)
Most active in
California · Florida · Louisiana · Texas
Also doing business as
Cpr Financial & Insurance Services, Inc. · Cpr Financial Services, Inc.
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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
Quick links
Advisors at this firm
Amy H
Series 65
Prosper, TX
CPR Financial & Insurance Services, Inc.
Amy Hall is a Series 65-licensed financial advisor with CPR Financial & Insurance Services, Inc. in Prosper, TX, where she has worked for eight years. She also has experience as an independent insurance agent and offers accounting and tax preparation services. Approximately 25% of her professional time is dedicated to these other business activities, which occasionally involve providing related products and services to her clients. CPR Financial & Insurance Services offers portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and corporate retirement plans. The firm combines fundamental analysis with individualized investment policies and utilizes sub-advisors and multiple platforms to implement client portfolios, while also maintaining significant insurance brokerage activities.
Charles R
Series 63, Series 65
Prosper, TX
CPR Financial & Insurance Services, Inc.
Charles Rosen is a financial advisor at CPR Financial & Insurance Services, Inc. with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with CPR Financial & Insurance Services since 2014. Rosen serves as president of an independent insurance agency and holds several volunteer leadership roles within the National Association of Benefits and Insurance Professionals (NABIP), including legislative chair and board trustee positions. CPR Financial & Insurance Services provides portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and corporate retirement plans. The firm’s investment approach includes fundamental analysis and goals-based models, with portfolio implementation delegated to sub-advisors and use of multiple technology platforms.
Vincent L
Series 63, Series 65
Prosper, TX
CPR Financial & Insurance Services, Inc.
Vincent Lombardo is a financial advisor with CPR Financial & Insurance Services, Inc., holding Series 63 and Series 65 credentials and 15 years of industry experience. He has served as an independent insurance agent since 2010 and is the owner and officer of Vinou Corporation, a consulting company established in 1993. CPR Financial & Insurance Services provides portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and corporate plans. The firm integrates investment management with insurance brokerage activities and utilizes multiple platforms and sub-advisors to implement customized investment strategies.
Manuel M
Series 63, Series 65
Port Saint Lucie, FL
CPR Financial & Insurance Services, Inc.
Manuel Menendez is a financial advisor at CPR Financial & Insurance Services, Inc. with 15 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at CPR Financial since 2015. In addition to his advisory role, he is an independent insurance agent involved in the sale of insurance-related products. CPR Financial & Insurance Services provides portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and corporate retirement plans. The firm integrates fundamental analysis with individualized investment policies and utilizes multiple platforms and sub-advisors to manage client portfolios.
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