CEI Financial Planning

As a registered investment advisor (RIA), CEI Financial Planning is held to a fiduciary standard under the Investment Advisers Act of 1940, which is documented in its public SEC or state registration (public record). This means the firm is legally obligated to act in its clients' best interests, placing client needs ahead of its own. This distinguishes it from broker-dealers, who operate under a less stringent suitability standard.

The firm charges fees based on a percentage of assets under management, hourly rates, or fixed fees, as detailed in its regulatory filings (public record). It does not operate on a commission-based model for its advisory services, which can reduce conflicts of interest related to product sales. The exact fee schedule is disclosed in its Form ADV Part 2, provided to all prospective clients.

Per its filings, the firm offers portfolio management for individuals, financial planning, and pension consulting (public record). Its portfolio construction relies on publicly traded securities like stocks, bonds, and mutual funds. There is no indication the firm directly invests in alternatives such as private equity, hedge funds, or direct real estate.