Cubic Advisors, LLC

Cubic Advisors serves affluent and high-net-worth individuals as well as individual clients and a variety of legal entities, including businesses, partnerships, trusts, pension plans and insurance companies. The firm provides discretionary and non-discretionary portfolio management, financial planning, and a fee‑only 55Plus retirement planning service billed monthly with a stated minimum of $7,500 per year.

The firm’s investment process combines quantitative optimization and computer‑based risk/return analysis with technical trading models and traditional security selection across mutual funds, ETFs, individual equities and fixed income; it may also recommend unaffiliated third‑party managers and continues oversight of those relationships. Accounts are reviewed at least annually and managed according to client objectives and restrictions, with use of strategies that include passive allocations and a reduced‑risk short‑duration fixed‑income approach.

Noteworthy disclosures in the brochure include an outside business operated by a principal that is a registered precious‑metals bullion dealer, and an explicit note that the firm may engage in sales of other financial products — an arrangement that is uncommon among similarly supported firms. The brochure also highlights that insurance companies are among its client types (a relatively rare client segment for peers) and that the firm uses the Charles Schwab Institutional platform for custody and execution while not receiving compensation from recommended sub‑advisors.