Tim Crawford CPA

The firm operates as a CPA-based independent registered investment adviser that primarily serves individual and high-net-worth clients and also accepts corporate/business clients and retirement plans, including pension or profit-sharing accounts. In addition to accounting and tax work, the firm provides investment advisory services by interviewing clients, tailoring plans, and directing implementation to third‑party investment managers.

Rather than executing trades or holding custody, the firm selects and refers clients to third‑party advisers (including a disclosed relationship with AssetMark) and documents client restrictions and model allocations for each engagement; it affirms fiduciary duties when advising retirement accounts. Its recommended investment universe is broad and includes mutual funds, fixed income, REITs, ETFs (including precious metal ETFs), annuities, private placements and venture capital, as well as option and short‑sale strategies, with the brochure noting the specific risks of those instruments.

What distinguishes the firm from many solo independents is its formal accounting and insurance activities alongside advisory work, a fee‑sharing arrangement with third‑party managers, and disclosure that representatives may sell commissionable insurance products and operate unrelated businesses (e.g., storage rentals). The firm also discloses that it does not trade client accounts or take custody, and its acceptance of corporate and retirement plan clients is less common among similarly sized independent advisers.