Cradle to College Financial, LLC

The firm provides discretionary investment management and comprehensive financial planning to individuals and families, with a stated emphasis on new parents and education-funding strategies. It offers Biblically Responsible Investing (BRI)–compliant portfolios and may manage Education Savings Accounts (including Coverdell accounts) while providing non‑discretionary advice on held-away assets such as 529 plans and employer retirement accounts.

Its investment process is long‑term and goals‑based, employing strategic asset allocation, Modern Portfolio Theory, and fundamental analysis to construct portfolios primarily with mutual funds and ETFs. The firm applies explicit BRI screening criteria that limit its investable universe and documents portfolio guidelines in client Investment Policy Statements; discretionary accounts are maintained with designated custodians for implementation and reporting.

Distinctive features relative to peers include accepting individual clients across non‑HNW and HNW segments—an uncommon practice for firms in the investment-manager category—and setting explicit capacity limits and account minimums for lower‑asset clients. The firm is a single-adviser, recently formed entity that currently reports no assets under management, excludes certain education accounts from billing, does not vote client proxies, and its sole adviser maintains unrelated outside employment, all of which shape its operational profile compared with larger pooled-asset managers.