A complete list of active advisors currently associated with Cumberland Valley Financial Services Inc.

Warmer can help you find a great advisor at Cumberland Valley Financial Services Inc. or one who fits your needs even better.

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.

To learn more about the advisors currently working at Cumberland Valley Financial Services Inc., click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.