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consisting of ETF and mutual fund portfolios.",[965],{"type":129,"attrs":966},{"color":773},{"type":811,"content":968},[969],{"type":18,"attrs":970,"content":971},{"textAlign":34},[972,978],{"text":973,"type":22,"marks":974},"Employer-sponsored retirement plan services:",[975,977],{"type":129,"attrs":976},{"color":773},{"type":38},{"text":979,"type":22,"marks":980}," Advisory support for plans including 401(k), 403(b), SEP, SIMPLE IRA, and defined benefit plans.",[981],{"type":129,"attrs":982},{"color":773},{"type":811,"content":984},[985],{"type":18,"attrs":986,"content":987},{"textAlign":34},[988,994],{"text":989,"type":22,"marks":990},"Third-party programs: ",[991,993],{"type":129,"attrs":992},{"color":773},{"type":38},{"text":995,"type":22,"marks":996},"Access to platforms including AssetMark, Morningstar, FTJ FundChoice, SEI, and TIAA-CREF Investment Solutions IRA, each with its own investment approaches and 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Its main drawback is that the service is complex: pricing, minimums, and portfolio construction can vary a lot from one program to another.",[1014],{"type":129,"attrs":1015},{"color":773},{"type":18,"attrs":1017,"content":1018},{"textAlign":34},[1019],{"text":1020,"type":22,"marks":1021},"Here’s a summary of the key advantages and disadvantages to help you decide if it’s the right firm for you. ",[1022],{"type":129,"attrs":1023},{"color":773},{"type":764,"attrs":1025,"content":1027},{"level":1026,"textAlign":34},3,[1028],{"text":1029,"type":22,"marks":1030},"Pros of CUSO Financial Services:",[1031,1033],{"type":129,"attrs":1032},{"color":773},{"type":38},{"type":808,"content":1035},[1036,1052,1068,1084],{"type":811,"content":1037},[1038],{"type":18,"attrs":1039,"content":1040},{"textAlign":34},[1041,1047],{"text":1042,"type":22,"marks":1043},"Broad advisory menu: ",[1044,1046],{"type":129,"attrs":1045},{"color":773},{"type":38},{"text":1048,"type":22,"marks":1049},"Clients can choose among adviser-led, third-party-managed, planning-focused, retirement-plan, and digital investing options.",[1050],{"type":129,"attrs":1051},{"color":773},{"type":811,"content":1053},[1054],{"type":18,"attrs":1055,"content":1056},{"textAlign":34},[1057,1063],{"text":1058,"type":22,"marks":1059},"Flexible service model: ",[1060,1062],{"type":129,"attrs":1061},{"color":773},{"type":38},{"text":1064,"type":22,"marks":1065},"CFS offers both discretionary and non-discretionary arrangements, depending on the program.",[1066],{"type":129,"attrs":1067},{"color":773},{"type":811,"content":1069},[1070],{"type":18,"attrs":1071,"content":1072},{"textAlign":34},[1073,1079],{"text":1074,"type":22,"marks":1075},"Financial planning scope: ",[1076,1078],{"type":129,"attrs":1077},{"color":773},{"type":38},{"text":1080,"type":22,"marks":1081},"IARs can provide plans covering retirement, estate, education, insurance, and cash flow, giving clients a broad view of their financial picture.",[1082],{"type":129,"attrs":1083},{"color":773},{"type":811,"content":1085},[1086],{"type":18,"attrs":1087,"content":1088},{"textAlign":34},[1089,1095],{"text":1090,"type":22,"marks":1091},"A low-cost digital option exists:",[1092,1094],{"type":129,"attrs":1093},{"color":773},{"type":38},{"text":1096,"type":22,"marks":1097}," The Digital Investment Program charges a 0.10% advisory fee, which is much lower than that of adviser-led programs.",[1098],{"type":129,"attrs":1099},{"color":773},{"type":764,"attrs":1101,"content":1102},{"level":1026,"textAlign":34},[1103],{"text":1104,"type":22,"marks":1105},"Cons of CUSO Financial Services:",[1106,1108],{"type":129,"attrs":1107},{"color":773},{"type":38},{"type":808,"content":1110},[1111,1127,1143,1159],{"type":811,"content":1112},[1113],{"type":18,"attrs":1114,"content":1115},{"textAlign":34},[1116,1122],{"text":1117,"type":22,"marks":1118},"Fees can be layered:",[1119,1121],{"type":129,"attrs":1120},{"color":773},{"type":38},{"text":1123,"type":22,"marks":1124}," Beyond advisory fees, clients may also face manager fees, custodial fees, fund expenses, annuity charges, and account fees.",[1125],{"type":129,"attrs":1126},{"color":773},{"type":811,"content":1128},[1129],{"type":18,"attrs":1130,"content":1131},{"textAlign":34},[1132,1138],{"text":1133,"type":22,"marks":1134},"Higher-entry programs exist: ",[1135,1137],{"type":129,"attrs":1136},{"color":773},{"type":38},{"text":1139,"type":22,"marks":1140},"More customized options can require minimums of $50,000, $100,000, or $250,000.",[1141],{"type":129,"attrs":1142},{"color":773},{"type":811,"content":1144},[1145],{"type":18,"attrs":1146,"content":1147},{"textAlign":34},[1148,1154],{"text":1149,"type":22,"marks":1150},"Not a standardized advisory experience: ",[1151,1153],{"type":129,"attrs":1152},{"color":773},{"type":38},{"text":1155,"type":22,"marks":1156},"Service quality and portfolio design can vary by adviser, platform, and outside manager.",[1157],{"type":129,"attrs":1158},{"color":773},{"type":811,"content":1160},[1161],{"type":18,"attrs":1162,"content":1163},{"textAlign":34},[1164,1170],{"text":1165,"type":22,"marks":1166},"Variable IAR quality and experience: ",[1167,1169],{"type":129,"attrs":1168},{"color":773},{"type":38},{"text":1171,"type":22,"marks":1172},"As services are delivered through a network of IARs across different financial institutions, service quality and advisers' experience can vary significantly by location.",[1173],{"type":129,"attrs":1174},{"color":773},{"type":764,"attrs":1176,"content":1177},{"level":766,"textAlign":34},[1178],{"text":1179,"type":22,"marks":1180},"CUSO Financial Services fees: How much does CUSO Financial Services cost?",[1181,1183],{"type":129,"attrs":1182},{"color":773},{"type":38},{"type":18,"attrs":1185,"content":1186},{"textAlign":34},[1187],{"text":1188,"type":22,"marks":1189},"Pricing depends on the advisory program. In general, CFS uses negotiated asset-based fees billed monthly or quarterly, while financial planning may use hourly or flat fees.",[1190],{"type":129,"attrs":1191},{"color":773},{"type":808,"content":1193},[1194,1210,1226,1242],{"type":811,"content":1195},[1196],{"type":18,"attrs":1197,"content":1198},{"textAlign":34},[1199,1205],{"text":1200,"type":22,"marks":1201},"Contour programs: ",[1202,1204],{"type":129,"attrs":1203},{"color":773},{"type":38},{"text":1206,"type":22,"marks":1207},"For Contour Funds, ETF, Index Plus, and Third-Party Strategists, the standard structure is up to 0.30% program fee plus up to 1.70% IAR fee. UMA and SMA versions can add a manager fee up to 0.75%.",[1208],{"type":129,"attrs":1209},{"color":773},{"type":811,"content":1211},[1212],{"type":18,"attrs":1213,"content":1214},{"textAlign":34},[1215,1221],{"text":1216,"type":22,"marks":1217},"CFS Asset Management Account: ",[1218,1220],{"type":129,"attrs":1219},{"color":773},{"type":38},{"text":1222,"type":22,"marks":1223},"Annual maximum fee of 1.5%, with a $125 minimum annual program fee. ",[1224],{"type":129,"attrs":1225},{"color":773},{"type":811,"content":1227},[1228],{"type":18,"attrs":1229,"content":1230},{"textAlign":34},[1231,1237],{"text":1232,"type":22,"marks":1233},"Financial planning: ",[1234,1236],{"type":129,"attrs":1235},{"color":773},{"type":38},{"text":1238,"type":22,"marks":1239},"Negotiable, but generally up to $250 per hour or a flat $10,000 over 12 months, unless specially approved.",[1240],{"type":129,"attrs":1241},{"color":773},{"type":811,"content":1243},[1244],{"type":18,"attrs":1245,"content":1246},{"textAlign":34},[1247,1253],{"text":1248,"type":22,"marks":1249},"Digital Investment Program: ",[1250,1252],{"type":129,"attrs":1251},{"color":773},{"type":38},{"text":1254,"type":22,"marks":1255},"0.10% annually.",[1256],{"type":129,"attrs":1257},{"color":773},{"type":18,"attrs":1259,"content":1260},{"textAlign":34},[1261],{"text":1262,"type":22,"marks":1263},"Clients may also pay separate fund expenses, manager fees, custodial fees, IRA fees, wire and transfer fees, and other account charges.",[1264],{"type":129,"attrs":1265},{"color":773},{"type":764,"attrs":1267,"content":1268},{"level":766,"textAlign":34},[1269],{"text":1270,"type":22,"marks":1271},"What is CUSO Financial Services’s minimum account size?",[1272,1274],{"type":129,"attrs":1273},{"color":773},{"type":38},"article-rich-text",{"_uid":1277,"caption":12,"content":1278,"component":1296,"show_search":543,"paste_content":1297,"number_of_rows":1344,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"6eec4298-7b5d-471b-8194-39220c79c562",{"tbody":1279,"thead":1289,"fieldtype":1295},[1280],{"_uid":1281,"body":1282,"component":1288},"45ae8115-490f-41a1-9fcf-b0d906f5f8df",[1283,1286],{"_uid":1284,"value":12,"component":1285},"4ebb071f-8279-4e72-b36b-a0b0376c5894","_table_col",{"_uid":1287,"value":12,"component":1285},"269777b1-eefe-49f0-9acf-d362871d8a69","_table_row",[1290,1293],{"_uid":1291,"value":12,"component":1292},"6b607360-f4d0-4b81-9553-7b70b4e25fc6","_table_head",{"_uid":1294,"value":12,"component":1292},"9bfef15e-2919-4021-ad06-44d97ed5fdcb","table","article-table",{"type":15,"content":1298},[1299,1304,1309,1314,1319,1324,1329,1334,1339],{"type":18,"attrs":1300,"content":1301},{"textAlign":34},[1302],{"text":1303,"type":22},"Minimum account size\tProgram(s)",{"type":18,"attrs":1305,"content":1306},{"textAlign":34},[1307],{"text":1308,"type":22},"None\tFirst Mercantile; Ascensus; Financial planning; SEI Mutual Funds",{"type":18,"attrs":1310,"content":1311},{"textAlign":34},[1312],{"text":1313,"type":22},"$5,000\tDigital Investment Program",{"type":18,"attrs":1315,"content":1316},{"textAlign":34},[1317],{"text":1318,"type":22},"$25,000\tContour Direct; Contour ActivePassive Portfolios",{"type":18,"attrs":1320,"content":1321},{"textAlign":34},[1322],{"text":1323,"type":22},"$50,000\tContour Funds, Contour ETF, Contour Index Plus, Morningstar, and some AssetMark programs.",{"type":18,"attrs":1325,"content":1326},{"textAlign":34},[1327],{"text":1328,"type":22},"$100,000\tContour UMA and Contour SMA",{"type":18,"attrs":1330,"content":1331},{"textAlign":34},[1332],{"text":1333,"type":22},"$250,000\tCFS Asset Management Account; SEI SMA; Asset Mark GPS",{"type":18,"attrs":1335,"content":1336},{"textAlign":34},[1337],{"text":1338,"type":22},"$500,000\tSTAR IV",{"type":18,"attrs":1340,"content":1341},{"textAlign":34},[1342],{"text":1343,"type":22},"Varies by manager\tContour 3rd Party Strategist Manager","10",{"_uid":1346,"data":1347,"component":1275},"2f4e8530-7d33-441e-a67c-854ab081bf17",{"type":15,"content":1348},[1349,1358,1366,1374,1440,1448,1498,1507,1515,1523,1531,1539,1548,1556,1564,1572,1580,1589,1597,1605,1613,1622,1630,1638,1647],{"type":764,"attrs":1350,"content":1351},{"level":766,"textAlign":34},[1352],{"text":1353,"type":22,"marks":1354},"Who should choose CUSO Financial Services?",[1355,1357],{"type":129,"attrs":1356},{"color":773},{"type":38},{"type":18,"attrs":1359,"content":1360},{"textAlign":34},[1361],{"text":1362,"type":22,"marks":1363},"This service is better suited to investors who value advisor access and program choice more than a simple, uniform pricing model.",[1364],{"type":129,"attrs":1365},{"color":773},{"type":18,"attrs":1367,"content":1368},{"textAlign":34},[1369],{"text":1370,"type":22,"marks":1371},"CUSO Financial Services works well for:",[1372],{"type":129,"attrs":1373},{"color":773},{"type":808,"content":1375},[1376,1392,1408,1424],{"type":811,"content":1377},[1378],{"type":18,"attrs":1379,"content":1380},{"textAlign":34},[1381,1387],{"text":1382,"type":22,"marks":1383},"Credit union and bank members seeking investment advice: ",[1384,1386],{"type":129,"attrs":1385},{"color":773},{"type":38},{"text":1388,"type":22,"marks":1389},"CFS's IAR-at-financial-institution model provides access to investment services within a familiar setting for members who already bank at a participating institution.",[1390],{"type":129,"attrs":1391},{"color":773},{"type":811,"content":1393},[1394],{"type":18,"attrs":1395,"content":1396},{"textAlign":34},[1397,1403],{"text":1398,"type":22,"marks":1399},"Investors who want choices: ",[1400,1402],{"type":129,"attrs":1401},{"color":773},{"type":38},{"text":1404,"type":22,"marks":1405},"Discretionary, non-discretionary, third-party managed, planning, and digital advice are all available.",[1406],{"type":129,"attrs":1407},{"color":773},{"type":811,"content":1409},[1410],{"type":18,"attrs":1411,"content":1412},{"textAlign":34},[1413,1419],{"text":1414,"type":22,"marks":1415},"Investors needing financial planning support: ",[1416,1418],{"type":129,"attrs":1417},{"color":773},{"type":38},{"text":1420,"type":22,"marks":1421},"The financial planning service covers a broad scope and may suit clients facing retirement transitions, estate considerations, or major life events.",[1422],{"type":129,"attrs":1423},{"color":773},{"type":811,"content":1425},[1426],{"type":18,"attrs":1427,"content":1428},{"textAlign":34},[1429,1435],{"text":1430,"type":22,"marks":1431},"Smaller investors starting: ",[1432,1434],{"type":129,"attrs":1433},{"color":773},{"type":38},{"text":1436,"type":22,"marks":1437},"Programs with no minimum — such as financial planning and SEI Mutual Funds — lower the entry barrier for less-established investors.",[1438],{"type":129,"attrs":1439},{"color":773},{"type":18,"attrs":1441,"content":1442},{"textAlign":34},[1443],{"text":1444,"type":22,"marks":1445},"Who might not benefit as much:",[1446],{"type":129,"attrs":1447},{"color":773},{"type":808,"content":1449},[1450,1466,1482],{"type":811,"content":1451},[1452],{"type":18,"attrs":1453,"content":1454},{"textAlign":34},[1455,1461],{"text":1456,"type":22,"marks":1457},"DIY and fee-sensitive investors: ",[1458,1460],{"type":129,"attrs":1459},{"color":773},{"type":38},{"text":1462,"type":22,"marks":1463},"Some adviser-led programs can be much more expensive than basic digital or self-directed alternatives. ",[1464],{"type":129,"attrs":1465},{"color":773},{"type":811,"content":1467},[1468],{"type":18,"attrs":1469,"content":1470},{"textAlign":34},[1471,1477],{"text":1472,"type":22,"marks":1473},"Smaller investors seeking customized management: ",[1474,1476],{"type":129,"attrs":1475},{"color":773},{"type":38},{"text":1478,"type":22,"marks":1479},"The more tailored programs often start at $50,000 to $250,000.",[1480],{"type":129,"attrs":1481},{"color":773},{"type":811,"content":1483},[1484],{"type":18,"attrs":1485,"content":1486},{"textAlign":34},[1487,1493],{"text":1488,"type":22,"marks":1489},"Investors who want a more standardized investment approach: ",[1490,1492],{"type":129,"attrs":1491},{"color":773},{"type":38},{"text":1494,"type":22,"marks":1495},"CFS offers multiple advisory programs, and the investment methods can vary by advisor, platform, and third-party manager.",[1496],{"type":129,"attrs":1497},{"color":773},{"type":764,"attrs":1499,"content":1500},{"level":766,"textAlign":34},[1501],{"text":1502,"type":22,"marks":1503},"CUSO Financial Services: Is it secure?",[1504,1506],{"type":129,"attrs":1505},{"color":773},{"type":38},{"type":18,"attrs":1508,"content":1509},{"textAlign":34},[1510],{"text":1511,"type":22,"marks":1512},"CFS operates within a regulated framework that includes standard investor protections. ",[1513],{"type":129,"attrs":1514},{"color":773},{"type":18,"attrs":1516,"content":1517},{"textAlign":34},[1518],{"text":1519,"type":22,"marks":1520},"CFS is registered with the SEC as an investment adviser and is a FINRA member broker-dealer. ",[1521],{"type":129,"attrs":1522},{"color":773},{"type":18,"attrs":1524,"content":1525},{"textAlign":34},[1526],{"text":1527,"type":22,"marks":1528},"Client assets held in Contour, CFS Asset Management Account, and STAR programs are custodied by Pershing, LLC, a qualified custodian. Client assets in the Digital Investment Program are held at Charles Schwab & Co., Inc. ",[1529],{"type":129,"attrs":1530},{"color":773},{"type":18,"attrs":1532,"content":1533},{"textAlign":34},[1534],{"text":1535,"type":22,"marks":1536},"CFS is a member of SIPC, which covers eligible securities accounts up to applicable limits in the event of firm failure",[1537],{"type":129,"attrs":1538},{"color":773},{"type":764,"attrs":1540,"content":1541},{"level":766,"textAlign":34},[1542],{"text":1543,"type":22,"marks":1544},"CUSO Financial Services: Customer service",[1545,1547],{"type":129,"attrs":1546},{"color":773},{"type":38},{"type":18,"attrs":1549,"content":1550},{"textAlign":34},[1551],{"text":1552,"type":22,"marks":1553},"Customer service is centered on the individual adviser relationship. CFS advisers work through financial institutions and can assist clients. ",[1554],{"type":129,"attrs":1555},{"color":773},{"type":18,"attrs":1557,"content":1558},{"textAlign":34},[1559],{"text":1560,"type":22,"marks":1561},"For CFS Asset Management Accounts, the adviser provides at least annual reviews, while broader advisory relationships are typically monitored on an ongoing basis. ",[1562],{"type":129,"attrs":1563},{"color":773},{"type":18,"attrs":1565,"content":1566},{"textAlign":34},[1567],{"text":1568,"type":22,"marks":1569},"Financial planning usually ends when the plan is delivered unless the client re-engages for an update.",[1570],{"type":129,"attrs":1571},{"color":773},{"type":18,"attrs":1573,"content":1574},{"textAlign":34},[1575],{"text":1576,"type":22,"marks":1577},"The firm also offers a main phone number, an email contact, a San Diego headquarters, and regional program-management offices across multiple states.",[1578],{"type":129,"attrs":1579},{"color":773},{"type":764,"attrs":1581,"content":1582},{"level":766,"textAlign":34},[1583],{"text":1584,"type":22,"marks":1585},"CUSO Financial Services: Mobile app",[1586,1588],{"type":129,"attrs":1587},{"color":773},{"type":38},{"type":18,"attrs":1590,"content":1591},{"textAlign":34},[1592],{"text":1593,"type":22,"marks":1594},"CUSO Financial Services does have a dedicated client app called Clear1. ",[1595],{"type":129,"attrs":1596},{"color":773},{"type":18,"attrs":1598,"content":1599},{"textAlign":34},[1600],{"text":1601,"type":22,"marks":1602},"It is published by CFS Insurance & Technology Services LLC, which is a related entity of CUSO Financial Services, LP, rather than by CUSO Financial Services, LP itself.",[1603],{"type":129,"attrs":1604},{"color":773},{"type":18,"attrs":1606,"content":1607},{"textAlign":34},[1608],{"text":1609,"type":22,"marks":1610},"This app is a client-access app, not a self-directed trading app. Its listed functions include viewing account balances, positions, transactions, statements, tax forms, and performance information.",[1611],{"type":129,"attrs":1612},{"color":773},{"type":764,"attrs":1614,"content":1615},{"level":766,"textAlign":34},[1616],{"text":1617,"type":22,"marks":1618},"Is CUSO Financial Services worth it?",[1619,1621],{"type":129,"attrs":1620},{"color":773},{"type":38},{"type":18,"attrs":1623,"content":1624},{"textAlign":34},[1625],{"text":1626,"type":22,"marks":1627},"CFS is understood as a broad advisory platform, not a simple standalone RIA offering. Its strengths are access to advisers through banks and credit unions, a wide range of advisory formats, and the ability to combine planning with managed portfolios. Its trade-offs are fee complexity, uneven minimums, and a service experience that can vary significantly by adviser and program.",[1628],{"type":129,"attrs":1629},{"color":773},{"type":18,"attrs":1631,"content":1632},{"textAlign":34},[1633],{"text":1634,"type":22,"marks":1635},"For investors seeking a relationship-driven advisory model and willing to compare the details of each program carefully, CFS can be a viable option. For investors who want a single clear pricing model, a uniform investment approach, or the lowest possible cost, it is less compelling.",[1636],{"type":129,"attrs":1637},{"color":773},{"type":764,"attrs":1639,"content":1640},{"level":766,"textAlign":34},[1641],{"text":1642,"type":22,"marks":1643},"Get expert financial advice",[1644,1646],{"type":129,"attrs":1645},{"color":773},{"type":38},{"type":18,"attrs":1648,"content":1649},{"textAlign":34},[1650,1655,1665],{"text":1651,"type":22,"marks":1652},"If you're seeking professional financial advice, Unbiased can ",[1653],{"type":129,"attrs":1654},{"color":773},{"text":1656,"type":22,"marks":1657},"match you with a financial advisor",[1658,1661,1663],{"type":31,"attrs":1659},{"href":1660,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas",{"type":129,"attrs":1662},{"color":773},{"type":1664},"underline",{"text":1666,"type":22,"marks":1667}," who will help you manage your money and maximize your 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