Certified Advisory provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, publishing newsletters, educational seminars, education planning, estate planning, insurance, tax planning, and tax preparation. Financial planning was provided to 101–250 clients last fiscal year.
Certified Advisory reports 2,556 clients. They include 1,475 individual clients, 1,001 high-net-worth individuals, and 63 pension and profit-sharing plans. Of its assets, 100.0% ($3.04B across 6,372 accounts) are managed with discretion. It advised 61 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 58% | 15% |
| High-net-worth individuals | 39% | 68% |
| Pension and profit-sharing plans | 2% | 16% |
| Charitable organizations | <1% | <1% |
| State or municipal government entities | <1% | <1% |
| Other client typesCorporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 1,475 | $451M | 14.8% | $306K |
| High-net-worth individuals | 1,001 | $2.06B | 67.8% | $2.06M |
| Pension and profit-sharing plans | 63 | $485M | 15.9% | $7.7M |
| Charitable organizations | 6 | $4.12M | 0.1% | $686K |
| State or municipal government entities | 2 | $15.9M | 0.5% | $7.97M |
| Corporations and other businesses | 9 | $23.5M | 0.8% | $2.61M |
| Total | 2,556 | $3.04B | 100% | $1.19M |
- Clients
- 1,475
- Regulatory AUM
- $451M
- AUM share
- 14.8%
- Avg. per client
- $306K
- Clients
- 1,001
- Regulatory AUM
- $2.06B
- AUM share
- 67.8%
- Avg. per client
- $2.06M
- Clients
- 63
- Regulatory AUM
- $485M
- AUM share
- 15.9%
- Avg. per client
- $7.7M
- Clients
- 6
- Regulatory AUM
- $4.12M
- AUM share
- 0.1%
- Avg. per client
- $686K
- Clients
- 2
- Regulatory AUM
- $15.9M
- AUM share
- 0.5%
- Avg. per client
- $7.97M
- Clients
- 9
- Regulatory AUM
- $23.5M
- AUM share
- 0.8%
- Avg. per client
- $2.61M
Total
- Clients
- 2,556
- Regulatory AUM
- $3.04B
- AUM share
- 100%
- Avg. per client
- $1.19M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 61
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Certified Advisory charges up to 1.50% a year for its Investment Advisory and Management Services. The fee is billed in advance, is negotiable and has a $1,000 annual minimum. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Consulting Services
- Charged as a fixed or hourly fee, negotiable with your adviser; up to 50% may be paid in advance, and no prepayment above $1,200.
- Tax Preparation and Consulting
- Tax preparation and consulting fees are based on the complexity of the client's tax situation and volume of work.
Joseph Bert owns 75% or more of Certified Advisory. The leadership team of Certified Advisory includes President Sheri Cuff. It has 39 employees, 20 of them in advisory roles.
Leadership
- Sheri CuffPresident & CCO
- Joseph BertCEO
Investment adviser representatives
17 representatives listed in the SEC register as of 9 October 2026.
- Gary Stephen Abely
- Aaron Joseph Bert
- Joseph Frank Bert
- Rupert Charles Curry
- Jessica Leigh Hall
- Nancy Ilene Hecht
- Adam Charles Jones
- Grant Marshall Kennedy
- Vicki Denise Kovach
- Dillon Little
- Rodney Lee Ownby
- Richard Dale Patterson
- Delbert Wynn Smith
- Justin Riley Spitler
- Harry Stadelmayer
- Christopher Howard Toadvine
- Todd Jeffrey Tocco
Staff
- 39 employees
- 20 in advisory functions
- 20 state-registered reps
- 9 broker-dealer reps
- 15 insurance agents
- 4 soliciting firms
- Owns 75% or more of Certified Advisory Corp
Joseph Bert
Control person · since March 1994
Certified Advisory’s regulatory assets grew 1.7× from $1.79B (May 2021) to $3.04B (March 2026); clients rose from 2,054 to 2,556 and employees from 35 to 39.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $3.04B | 2,556 | 39 | 5 |
| March 2025 | $2.67B | 2,496 | 36 | 7 |
| March 2024 | $2.27B | 2,412 | 37 | 6 |
| March 2023 | $1.92B | 2,292 | 38 | 6 |
| March 2022 | $2.18B | 2,179 | 38 | 6 |
| May 2021 | $1.79B | 2,054 | 35 | 6 |
Besides its headquarters, Certified Advisory has 4 offices (2 private residences, listed without an address), with 3 listed addresses in Florida.
Florida · 3 listed addresses
- 1111 Douglas Avenue, Altamonte SpringsHQ
- 331 S Beach St, Daytona Beach
- 15690 W Colonial DR., Winter Garden
Contact and registration details
- Legal name
- Certified Advisory Corp
- Headquarters
- 1111 Douglas Avenue, Altamonte Springs, FL 32714-2033
- Website
- financialgroup.com
- Phone
- 407-869-9800
- SEC file
- 801-61305
- Founded
- 1991
- Structure
- Florida corporation
- Fiscal year end
- December
Certified Advisory uses Fidelity ($2.48B, 84%) and Charles Schwab ($476M, 16%) as custodians for its separately managed accounts. Certified Advisory has custody of $886M in client assets for 1,257 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $2.48B84%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $476M16%
At year end, Certified Advisory’s separately managed accounts were mostly in funds (87%). Its reported 13F holdings for the quarter ended 30 June 2026 total $1.24B across 327 positions; the largest are Vanguard Index Fds (4.0%), Invesco Qqq TR (3.6%) and Vanguard Scottsdale Fds (2.6%).
What the accounts hold
- Stocks7%
- Funds87%
- Bonds2%
- U.S. government and agency bonds1%
- Investment grade corporate bonds1%
- Cash4%
Reported 13F holdings
- $1.24B
- Reported 13F value
- 327
- Positions
- 24.7%
- In the 10 largest
- +11.2%
- Value vs. prior quarter
- Vanguard Index Fds · Growth ETF4.0%
- Invesco Qqq TR · Unit Ser 13.6%
- Vanguard Scottsdale Fds · Shrt Trm Corp. BD2.6%
- Schwab Strategic TR · Fundamental US L2.5%
- Pacer Fds TR · US Cash Cows 1002.2%
- Vanguard Index Fds · Value ETF2.1%
- J P Morgan Exchange Traded F · Income ETF1.9%
- iShares TR · Core S&P500 ETF1.9%
- iShares TR · Conv BD ETF1.9%
- American Centy ETF TR · US Sml CP Valu1.8%
Together, the ten largest are 24.7% of reported value.
How many clients does Certified Advisory have?
Certified Advisory has 2,556 clients and manages $3.04 billion for them, as of March 2026. They include 1,475 individual clients, 1,001 high-net-worth individuals, and 63 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026
What services does Certified Advisory offer?
Certified Advisory provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, publishing newsletters, educational seminars, education planning, estate planning, insurance, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Certified Advisory charge?
Certified Advisory charges up to 1.50% a year for its Investment Advisory and Management Services. The fee is billed in advance, is negotiable and has a $1,000 annual minimum.
Which custodians does Certified Advisory use?
Certified Advisory’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $2.48B and Charles Schwab & Co., Inc. (Westlake, TX), with $476M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026
How many financial advisors does Certified Advisory have?
Certified Advisory has 20 investment adviser representatives registered with state securities authorities, out of 39 employees, and 20 perform investment advisory functions. 9 employees are registered representatives of a broker-dealer and 15 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Certified Advisory invest in?
At the end of its last fiscal year, Certified Advisory’s separately managed accounts held 87% registered funds (mutual funds, ETFs, BDCs), 7% exchange-traded equities, 4% cash and equivalents, 1% U.S. government and agency bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Certified Advisory?
Certified Advisory’s direct owner is Joseph Bert (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 31 March 2026
How does Certified Advisory get paid?
Certified Advisory is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Certified Advisory?
Certified Advisory’s main office is at 1111 Douglas Avenue, Altamonte Springs, FL 32714-2033. Its phone number is 407-869-9800. Its website is financialgroup.com.