Cumberland Valley Financial Services Inc.

The firm is an independent, state-registered advisory practice that provides ongoing portfolio management and broader financial advice to individuals, pensions and profit-sharing plans, trusts, estates, corporations, and charitable organizations. Clients receive services under an Investment Portfolio Management Agreement and a tailored Personal Investment Policy; the adviser manages accounts on both a discretionary and non-discretionary basis.

The practice operates on a fee-only, percentage-of-assets-under-management basis and typically implements diversified allocations using no-load mutual funds and exchange-traded funds. It documents client objectives and risk tolerance, monitors accounts regularly, and states it may use a range of techniques—while emphasizing long-term mutual fund and ETF holdings—to implement each client’s strategy.

Distinctive aspects include the firm’s work with charitable organizations, a client type that is less common for solo independent advisers, and a large share of assets managed on a discretionary basis relative to non-discretionary assets. The brochure discloses a recent consent order with the state regulator concerning business-continuity and succession procedures and describes the firm’s custody and brokerage relationship with a national custodian that provides operational benefits to the adviser, both of which are disclosed potential considerations for prospective clients.