Business Details
Your Trusted Partner for Financial Planning Solutions
Cudlipp Financial Services was founded by Michael Cudlipp, a seasoned professional with over three decades of experience in accounting and financial planning. Our firm combines Michael's background as a former Public Accountant and law enforcement officer with a commitment to personalized financial guidance. We specialize in creating tailored strategies for individuals, families, and businesses, focusing on long-term goals without imposing net worth minimums. Our affiliation with Osaic Wealth provides access to robust resources while maintaining an independent, client-first approach. The team emphasizes transparent communication, lasting relationships, and jargon-free conversations to demystify financial planning. With multiple team members holding FINRA licenses and insurance certifications, we deliver ethically sound solutions aligned with each client's unique circumstances.Our process includes comprehensive analysis, quarterly reviews, and adaptive strategies to address evolving financial landscapes. We serve clients across 26 states, prioritizing accessibility and stress-free experiences through in-person meetings, virtual consultations, and educational workshops. The firm's legacy of trust is built on Michael's 1981 accounting career foundation and Mariah's continuation of this mission as a registered representative. Our dedication to exceptional service is reflected in our team's diverse expertise, including tax management, retirement planning, and wealth transfer strategies.
Services
Investment Oversight
Tax Management Planning
Retirement Planning
Family Wealth Planning
Risk Management Evaluation
Highlights and features
- We offer over 30 years of accounting experience through our founder's background.
- Our team holds FINRA Series licenses and insurance certifications.
- We provide personalized financial strategies without net worth minimums.
- Our affiliation with Osaic Wealth offers extensive resources and support.
- We focus on lasting relationships built on trust and transparency.
Associations and certifications
- FINRA
- SIPC
What people say
Exceptional client service
Knowledgeable advisors
Personalized strategies
Transparent communication
Long-term focus
Services
Investment Oversight
Our Investment Oversight service creates personalized portfolios aligned with your timeline, risk tolerance, and goals. We continuously monitor investments year-round, provide quarterly statements, and conduct regular meetings to evaluate performance. Our team reallocates portfolios as needed while offering independent advice and employer-sponsored retirement plan reviews.
Tax Management Planning
Tax Management Planning leverages our founder's 30+ years of accounting experience to reduce your tax burden. We provide comprehensive tax return reviews, quarterly tax consultations, and tax-advantaged investment recommendations. Our strategies adapt to changing tax laws while coordinating with your personal tax preparer for optimal results.
Retirement Planning
Retirement Planning focuses on preparing clients for financial security in their post-work years. We analyze pension options, create post-retirement tax projections, and develop distribution strategies tailored to individual needs. Our comprehensive approach includes cash flow analysis and ongoing adjustments to ensure your retirement goals remain achievable.
Family Wealth Planning
Family Wealth Planning helps clients establish legacies through comprehensive estate strategies. We analyze existing estate plans, coordinate with attorneys, and guide asset transfers to trusts. Our service includes probate assistance and specialized support during family transitions, ensuring your financial wishes are honored.
Risk Management Evaluation
Risk Management Evaluation assesses clients' insurance needs through personalized consultations. We analyze existing coverage gaps, recommend appropriate policies, and integrate insurance solutions with overall financial plans. This service ensures adequate protection against unforeseen events while aligning with long-term financial objectives.
People
Michael Cudlipp
Founder & Financial Advisor
Michael Cudlipp, AIF, founded the firm after 20+ years as a Public Accountant and police officer. He holds FINRA Series 6, 7, 24, 31, 63, 65, and 66 licenses, plus insurance certifications. His 40+ years in finance combine law enforcement discipline with financial expertise.
Mariah Cudlipp
Registered Representative
Mariah Cudlipp, Michael's daughter, joined the firm after graduating from Jacksonville University. She holds FINRA Series 66, 7, and 24 licenses while pursuing CFP certification. Her background includes NCAA Division I athletics and client-focused financial services.
Terianne
Financial Planning Assistant
Terianne brings diverse experience as a former teacher, CrossFit coach, and financial advisor. She holds FINRA SIE, Series 6, 7, 63, and 66 licenses plus insurance certifications. Her educational background includes a master's degree in education.
Tyler
Financial Assistant
Tyler supports client services with a business administration degree from SUNY Fredonia and managerial golf industry experience. He serves as a Notary Public, combining organizational skills with client-focused financial support.
Laura
Financial Assistant
Laura brings teaching experience and a dual degree in Elementary Education and Psychology from St. John Fisher College. She focuses on client paperwork processing with attention to detail and educational expertise in client interactions.
Questions
What financial planning services do you offer?
We offer investment oversight, tax management, retirement planning, family wealth strategies, and risk management evaluation tailored to individual client needs.
How are you different from other financial advisors?
Our family firm combines law enforcement discipline with financial expertise, offering personalized service without net worth minimums and jargon-free communication.
Do you work with out-of-state clients?
Yes, we serve clients in 26 states including NY, CA, TX, and FL through virtual consultations and remote account management.
What qualifications do your advisors hold?
Our team holds FINRA Series licenses, Accredited Investment Fiduciary designations, insurance certifications, and advanced degrees in finance and education.
How often do you review investment portfolios?
We provide quarterly economic updates, regular performance reviews, and annual comprehensive strategy assessments with portfolio reallocation as needed.
Can you help with retirement tax planning?
Yes, our tax management service includes post-retirement tax projections, distribution strategy recommendations, and coordination with your personal tax preparer.
Reviews (3)
Kevin
Nov 28, 2020
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Single best financial advisor you can find. Attentive, affordable, and extremely knowledgeable. Can't say enough good things!
Roosteroneyed
Jan 10, 2018
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I have known Mike for over twenty years. He is dependable, fair, and honest. You can do no better than with Mike
Leaving Asap
Jul 14, 2017
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Mr.Cudlupp is a fair and honest man. He shows you real numbers and is blunt and easy to understand. The numbers never lie, an you have to do your part to see gains, it's that easy.
