Craig V. Castanos CPA

The firm provides financial planning services to individuals, high‑net‑worth individuals, and corporate pension and profit‑sharing plans. It prepares written financial plans and consultative analyses but does not manage client securities, accept custody, or exercise discretionary trading authority; clients implement recommendations through custodians or other third‑party providers.

Recommendations are tailored to each client’s financial picture — including assets, liabilities, cash flow, risk tolerance and goals — and may address budgeting, education planning, estate planning, investment analysis, and IRA rollover considerations. Ongoing or more frequent plan reviews and separate tax or implementation work are offered only under additional written agreements.

The firm’s profile is atypical for its regulatory category: it is operated by a licensed CPA/CFP who spends the majority of professional time on tax and accounting services outside the advisory practice and is also a licensed insurance agent who may receive commissions for insurance sales (a potential conflict disclosed in the brochure). It likewise relies on fixed and hourly planning fees instead of percentage‑of‑assets‑under‑management charges and reports no assets under management, which are uncommon features for firms classified as investment managers.