Cuthbert Financial Guidance

Cuthbert Financial Guidance provides comprehensive financial planning and investment consultation to individuals and families and offers limited ERISA Section 3(21) advisory services to qualified plan sponsors, in addition to delivering general financial education workshops. The firm focuses on planning and advice rather than ongoing discretionary portfolio management and does not maintain client assets under its management.

The firm follows a long-term, buy-and-hold, passive allocation philosophy that emphasizes strategic asset allocation, broad diversification (primarily through index mutual funds and ETFs), and periodic rebalancing, with fundamental analysis informing specific recommendations. Engagements begin with a preliminary interview and typically include multiple meetings in the first year, annual reviews and six‑month check‑ins, while clients retain custody and execute transactions through their chosen service providers.

Compared with many peers, the firm is fee-only but uses fixed, flat subscription fees and a one-time onboarding charge instead of percentage-of-AUM billing, and it does not provide continuous portfolio management or trade execution for client accounts. The principal holds a CFP credential and has prior trust-administration experience, and the firm’s combination of individual financial planning, ERISA-plan consulting, and public workshops is a notable mix for a small, state-registered advisory practice.