Cedric Deon Bean Enterprises LLC

C.D.B. Capital provides financial planning, investment monitoring and consulting, and qualified retirement plan consulting to a mix of clients that includes qualified retirement and profit‑sharing plans, trusts, estates, charitable organizations, corporations, and individuals. The firm generally introduces clients to unaffiliated third‑party investment advisers to implement discretionary strategies and does not take custody or direct trading authority over client assets.

The firm’s advisory work focuses on personalized planning (cash flow, retirement, insurance, estate, and portfolio analyses), written Investment Policy Statements, and ongoing monitoring of third‑party managers to keep investment programs aligned with client objectives. It uses academic‑based asset allocation, diversification, and tax‑awareness in its recommendations and uses assets‑under‑advisement and related fee arrangements alongside project, hourly, and discovery fees; it also provides participant education and workshops for retirement plans.

What is distinctive for a firm in this category is the mix of professional roles and services: management includes a licensed attorney and the firm’s representatives are licensed insurance agents who may sell insurance products for commissions, with disclosed policies to address those conflicts. The firm also relies on a custody arrangement in certain programs that requires use of a federally chartered trust (SEI Trust), provides pension/plan consulting and participant workshops, and routinely refers to and monitors other investment advisers — a configuration of legal credentials, insurance brokerage activities, pension consulting, and third‑party adviser oversight that is uncommon among peer investment‑manager firms.