CFG Wealth Management

As an independent advisory firm in the United States, CFG Wealth Management likely operates as a federally or state-registered investment advisor (RIA), which legally obligates it to uphold a fiduciary standard. This means the firm must place client interests ahead of its own in all investment recommendations. The RIA structure also requires the firm to disclose material conflicts of interest and its fee schedule on Form ADV.

Independent multi-family offices of CFG's profile typically charge a fee based on assets under management, often using a tiered schedule that declines as assets increase. This fee-only model removes the conflict of interest inherent in commission-based brokerage accounts. Some firms in this category also offer flat retainer arrangements for clients who require comprehensive planning services but prefer to custody assets elsewhere.

Independent RIAs like CFG Wealth Management do not hold client assets directly. Instead, they engage third-party qualified custodians — typically firms like Charles Schwab, Fidelity, or Pershing — to safeguard securities and cash. The advisor maintains discretionary trading authority over the accounts, but the custodian handles settlement, reporting, and asset protection, providing an essential layer of investor safety.

Most independent advisory firms of CFG's size do not employ in-house estate attorneys or CPAs. Instead, they coordinate closely with a client's existing legal and tax professionals, or recommend specialists from a vetted external network. This coordination function is central to the outsourced-family-office model, where the advisor ensures that investment strategy, estate documents, and tax filings remain consistent with one another.

Independent multi-family offices frequently allocate a portion of client portfolios to alternative assets, including private equity, private credit, and real estate. Access is often gained through fund commitments, co-investment platforms, or interval funds that provide periodic liquidity. Given CFG's fee-only fiduciary structure, the firm is positioned to evaluate alternatives on their investment merit rather than on distribution economics.