Five Cedars

Five Cedars Financial, LLC provides discretionary portfolio management and comprehensive financial planning to individual and high‑net‑worth clients. The brochure lists services that include preparing an Investment Policy Statement, ongoing portfolio monitoring, and planning across retirement, estate, charitable giving, employee benefits optimization, risk management, and investment analysis.

The firm documents client goals and risk tolerance in an IPS and generally manages accounts with discretionary authority, using methods such as fundamental, technical, charting, and cyclical analysis alongside long‑term trading. Its investment offerings include mutual funds, ETFs, individual equities and fixed‑income, and the firm also implements direct indexing (with tax‑loss harvesting considerations) and may direct clients to third‑party managers when appropriate.

Compared with many small independent advisers, Five Cedars reports a very small client roster relative to assets under management and explicitly serves high‑net‑worth individuals, suggesting a focus on deeper, customized relationships. The firm requires clients to use Charles Schwab & Co., Inc. Advisor Services for custody and brokerage and discloses receipt of research and other custodian services, a directed‑brokerage arrangement the brochure notes can affect execution and generate soft‑dollar benefits.