Why CFD

As a registered investment adviser, CFD Investment Advisory is held to a fiduciary standard — legally obligated to act in your best interest. That's a higher bar than the suitability standard many brokers and insurance-based advisors operate under, and it shapes every recommendation we make.

We don't sell in-house funds, earn commissions on products, or answer to a parent company's sales targets. Our only compensation is the fee you pay us directly, which keeps our incentives aligned with growing and protecting your portfolio, not with moving product.

You work directly with the person managing your portfolio, not a call center, a junior associate, or a rotating team. Questions get answered by someone who actually knows your account.

Seth Dyk built his career in business valuation and M&A advisory before founding CFD, work built around evaluating real businesses and their financials in detail. That same grounded, research-first habit carries into how we evaluate investments for client portfolios.

Trust and nonprofit clients answer to beneficiaries, boards, and sometimes courts. We build investment policy, spending-rate analysis, and reporting that hold up in a board meeting or a court review, grounded in a board-approved Investment Policy Statement and, for nonprofit funds, UPMIFA.

Our fee schedule is tiered and published. No hidden loads, no commissions, and nothing to explain away in an annual review or a board meeting.

Our process works the same way for a $50,000 account as it does for a $20 million portfolio: same discipline, same transparency, same direct access.