Port Saint Lucie, FL Office

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.