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The fee is billed in advance and is negotiable.","source":"CERTIOR FINANCIAL GROUP FORM ADV PART 2A, filed 11 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Certior Financial Group use?","answer":"Certior Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $382M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Certior Financial Group have?","answer":"Certior Financial Group has 7 investment adviser representatives registered with state securities authorities, out of 9 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 5 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Certior Financial Group invest in?","answer":"At the end of its last fiscal year, Certior Financial Group’s separately managed accounts held 75% registered funds (mutual funds, ETFs, BDCs), 12% exchange-traded equities, 11% cash and equivalents and 2% pooled vehicles (private funds and similar).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Certior Financial Group?","answer":"Certior Financial Group’s direct owner is Avi Kantor (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Certior Financial Group get paid?","answer":"Certior Financial Group is paid through a percentage of assets under management, fixed fees and commissions. 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