Cash Flow Investment Services LLC

Cash Flow Investment Services L.L.C. is a state-registered, solo independent adviser managing about $93.2 million for roughly 86 clients, serving individuals including high-net-worth clients. The firm provides discretionary investment supervisory services (individual portfolio management) and limited financial planning that is provided only to portfolio management clients rather than as a standalone offering.

The adviser combines fundamental, technical, charting and quantitative analysis with asset-allocation work, and employs both long-term buy-and-hold positions and shorter-term trading (typically within 30 days) as appropriate to client objectives. Accounts are managed on a discretionary basis, reviewed at least monthly, and the firm’s written disclosures specifically permit use of mutual funds, ETFs and more specialized products — including bitcoin ETFs and inverse ETFs — with accompanying risk disclosures about volatility, leverage, custody and tracking risk.

Noteworthy features in the brochure include an explicit no-minimum account policy and the firm’s practice of sometimes managing accounts pro bono, a standard percentage-of-AUM fee structure (typically 0.5%) with fees withdrawn directly from client accounts, and a disclosed standing letter of authorization that creates limited custody safeguards. The firm also documents detailed block-trading and allocation procedures, uses Charles Schwab & Co., Inc. Advisor Services for custody and institutional services, and states a proxy-voting policy that includes escalation to an independent third party if conflicts arise.