Critical Mass Financial, LLC

Critical Mass Financial, LLC offers discretionary and non-discretionary asset management and financial planning services to individuals and high-net-worth clients, and the firm’s brochure lists a $100,000 typical account minimum; the filing also reports that, as of the brochure date, the firm has no assets under management and no client accounts. Like many investment-manager firms, CMF structures ongoing portfolio management around documented client goals and periodic reviews rather than one-off advice engagements.

The firm’s stated investment methods include fundamental and technical analysis and an allocation framework informed by modern portfolio theory, with strategies that may include long- and short-term holdings, options trading (including covered and uncovered strategies), and periodic tax-loss harvesting and rebalancing reviewed quarterly. CMF accepts both discretionary and non-discretionary authority and allows clients to impose written restrictions on investments, with account activity monitored against stated objectives and risk tolerances.

A notable aspect of CMF’s business is its affiliation with a separate tax and insurance business through which the firm’s managing member offers insurance products and receives commission-based compensation; the brochure discloses this outside activity and the associated conflict of interest and the firm’s mitigating procedures. The brochure also notes the managing member maintains a full-time analyst role outside the firm and that CMF was formed in 2025, which together with the insurance affiliation are features that distinguish it from many peers in the investment-manager category.