# Certified Advisory Corp

> Certified Advisory Corp is an SEC-registered investment advisory firm in Altamonte Springs, FL, registered since 2002, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 31, 2026.

- CRD: 120990
- Filed as: CERTIFIED ADVISORY CORP
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Altamonte Springs, FL
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/120990
- AdvisorCensus page: https://advisorcensus.com/firm/certified-advisory-corp-altamonte-springs-fl-120990

## Quick answers

**How is Certified Advisory Corp compensated?**
On its Form ADV (Item 5.E, October 2026), Certified Advisory Corp reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other.

**How much does Certified Advisory Corp charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Asset-based fee: up to 1.5% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Certified Advisory Corp located?**
Certified Advisory Corp's principal office is in Altamonte Springs, FL, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Certified Advisory Corp registered with the SEC or a state?**
Certified Advisory Corp is an SEC-registered investment advisory firm, registered since 2002. Status as filed: Approved. CRD 120990.

**How much does Certified Advisory Corp manage?**
Certified Advisory Corp reports $3,044,536,415 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary).

**How have Certified Advisory Corp's assets and staff changed since 2021?**
In the Form ADV data for Certified Advisory Corp: Regulatory assets under management: $1,787,052,959 in the October 2021 data and $3,044,536,415 in the October 2026 data, up 70%. Total employees: 35 in October 2021 and 39 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Certified Advisory Corp serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,475); high net worth individuals (1,001); pension and profit sharing plans (but not the plan participants or government pension plans) (63).

**Which custodians does Certified Advisory Corp use?**
Certified Advisory Corp's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Certified Advisory Corp report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/120990

**Does Certified Advisory Corp state an account minimum?**
Its Form ADV Part 2A brochure dated March 31, 2026 says: "In general, we require a minimum of $ 500,000 to open and maintain an investment advisory and management account. At our discretion, we can waive this minimum account size."

**What changed in Certified Advisory Corp's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 21 to 20. Regulatory assets under management went from $2,673,832,488 to $3,044,536,415 (+14%). Added an office in Winter Garden, FL. No longer lists an office in Gainesville, FL. No longer lists an office in Winderemere, FL.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Other

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Asset-based fee: up to 1.5% of assets a year (the maximum the brochure states)

> Our fee for investment advisory and management services is based on a percentage of your assets we manage and will not be more than 1.5% annually of your assets under management subject to a $250 per quarter minimum fee.

> Our annual fee for this platform is an asset-based fee not to exceed 1.50% which is shared between our firm and Betterment.

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> In general, we require a minimum of $ 500,000 to open and maintain an investment advisory and management account. At our discretion, we can waive this minimum account size.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $3,044,536,415
- Discretionary: $3,044,536,415
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,475 | $451,127,194 |
| High net worth individuals | 1,001 | $2,064,505,290 |
| Banking or thrift institutions | Not reported | $0 |
| Investment companies | Not reported | $0 |
| Business development companies | Not reported | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | Not reported | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 63 | $485,361,294 |
| Charitable organizations | 6 | $4,115,203 |
| State or municipal government entities (including government pension plans) | 2 | $15,940,196 |
| Other investment advisers | Not reported | $0 |
| Insurance companies | Not reported | $0 |
| Sovereign wealth funds and foreign official institutions | Not reported | $0 |
| Corporations or other businesses not listed above | 9 | $23,487,238 |
| Other | Not reported | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Publication of periodicals or newsletters
- Educational seminars/workshops

### Firm details
- Registered since: 2002 (24 years)
- Employees: 39 total, 20 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, AZ, CA, CO, CT, DE, FL, GA, IL, LA, MD, MI, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Daytona Beach, FL
- Winter Garden, FL

### Websites listed on Form ADV (Item 1.I)
- amp.smartasset.com
- bizjournals.com/orlando/potmsearch/detail/submission/6502980/Wynn_Smith
- bizjournals.com/orlando/potmsearch/detail/submission/6503014/Charles_Curry
- certifieddifference.com
- certifiedfg.com
- financialgroup.com
- g.page/CERTIFIEDFINANCIALGROUP
- guidetoflorida.com/altamonte-springs/financial-services/certified-financial-group-inc
- hechteffect.net
- nextdoor.com/PAGES/CERTIFIED-FINANCIAL-GROUP-ALTAMONTE-SPRINGS-FL
- onthemoneyfl.com
- orlandophil.org/event/the-eagles
- scoremyfunds.com
- wdbo.com/fp/ask-experts-presents-money
- wiseradvisor.com/advisorportfolio/accountoverview
- Facebook @CERTIFIEDBENEFITSCORP
- Facebook @CERTIFIEDFINANCIALGROUP
- Facebook @ONTHEMONEYFL
- Instagram @CERTIFIEDFINANCIALGROUP
- Instagram @THEONTHEMONEYPODCAST
- LinkedIn @CERTIFIED-BENEFITS-CORP
- LinkedIn @CERTIFIEDFINANCIALGROUP
- YouTube @financialgroup

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $1,787,052,959 | 35 | May 27, 2021 |
| October 2022 | $2,178,847,169 | 38 | March 31, 2022 |
| October 2023 | $1,921,925,914 | 38 | March 31, 2023 |
| October 2024 | $2,272,751,721 | 37 | March 28, 2024 |
| October 2025 | $2,673,832,488 | 36 | March 31, 2025 |
| October 2026 | $3,044,536,415 | 39 | March 31, 2026 |

Regulatory assets under management: $1,787,052,959 in the October 2021 data and $3,044,536,415 in the October 2026 data, up 70%.
Total employees: 35 in October 2021 and 39 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 21 to 20.
- Regulatory assets under management went from $2,673,832,488 to $3,044,536,415 (+14%).
- Added an office in Winter Garden, FL.
- No longer lists an office in Gainesville, FL.
- No longer lists an office in Winderemere, FL.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Certified Advisory Corp (CRD 120990): Form ADV filing data as of October 2026.