Cb3 Financial Group

What Cb3 Financial Group does

CB3 Financial Group, Inc. is a state-registered investment advisory firm founded in 2006 by Charles R. P. Brown III and headquartered in Glen Ellyn, Illinois. It operates as a family-office-style practice that manages retirement and trust assets for the Brown family alongside a small base of select qualified clients. The firm is structured around a single portfolio manager who personally trades the same positions as clients, with the stated objective of delivering transparency (24x7 account access, 48-hour liquidity) and accountability through alignment of interests.

The product surface consists of five managed investment programs — Conservative Growth (CG), Growth and Income (GI), Diversified Strategy (DS), Managed Portfolio (MP), and Strategic Opportunities (SO) — each supported by monthly performance fact sheets covering different risk/return profiles. The underlying technology is assembled from best-of-breed third-party integrations rather than proprietary systems: Charles Schwab provides custody and trade execution, eMoney handles consolidated asset aggregation and reporting, and Nitrogen (formerly Riskalyze) supports client-facing risk assessment. There is no proprietary platform, mobile app, or API layer; client engagement is mediated through these partner tools and the firm's own YouTube, podcast, and social channels.

The business model is a recurring AUM-based advisory fee, which is standard for registered investment advisors. Distribution is direct and relationship-led: prospective and existing clients reach the portfolio manager via a published trading-desk phone line, a contact form, and content-driven top-of-funnel channels (YouTube, podcast, Fox News commentary). The firm holds registration exemptions in ten additional U.S. states beyond its home Illinois registration, indicating a deliberate (if measured) geographic broadening of its addressable market. The company is privately held with no external funding and operates with a 1–10 person headcount.

Name

Cb3 Financial Group

Legal name

CB3 Financial Group, Inc.

Website

https://cb3financial.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

CB3 Financial Group is a state-registered investment advisory firm in Glen Ellyn, Illinois that manages retirement and trust assets for the Brown family and select high-net-worth clients through five discretionary programs, using Charles Schwab, eMoney, and Nitrogen as its technology backbone.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industry

Corporate & Institutional Trust Services (FSAAANAB)

Keywords

• Registered investment advisor
• Portfolio management services
• Wealth management advisory
• Retirement asset management
• Managed investment programs

Headquarters

HQ city

Glen Ellyn

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Asset Under Management (AUM) Fees: As a State-Registered Investment Advisor, CB3 Financial likely generates revenue through AUM-based advisory fees, which is standard for registered investment advisors managing client portfolios.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

CB3 Financial Group, Inc. is a State-Registered Investment Advisor that provides transparent, accountable portfolio management services through five managed investment programs (CG Conservative Growth, GI Growth and Income, DS Diversified Strategy, MP Managed Portfolio, and SO Strategic Opportunities). The firm operates as a family office managing retirement and trust assets for the Brown family and select clients, with the portfolio manager trading every asset that clients trade to ensure alignment.

Product overview

CB3 Financial Group is a registered investment advisory firm offering portfolio management services. The company manages multiple distinct investment programs: CG (Conservative Growth), GI (Growth and Income), DS (Diversified Strategy), MP (Managed Portfolio), and SO (Strategic Opportunities). These five programs are offered as separate fact-sheet products, allowing clients to access different investment strategies tailored to their financial goals.

Differentiator

Problem solved

Functional benefit

Products and services

• CG (Conservative Growth) An investment program focused on conservative growth strategies with lower risk tolerance, evidenced by a monthly fact sheet available for download on the Performance page.
• GI (Growth and Income) An investment program designed to balance growth and income generation, with a monthly fact sheet available for reference on the Performance page.
• DS (Diversified Strategy) A diversified investment strategy program offering broad market exposure, evidenced by a monthly fact sheet available for download on the Performance page.
• MP (Managed Portfolio) A managed portfolio program offering professional portfolio management services, with a monthly fact sheet available for clients on the Performance page.
• SO (Strategic Opportunities) An investment program focused on identifying and capitalizing on strategic market opportunities, with a monthly fact sheet available for download on the Performance page.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Charles SchwabcoreTechnology or IntegrationCharles Schwab provides custody services for client assets, offering a safe, reliable, and secure investing experience. This partnership enables CB3 to leverage Schwab's established infrastructure for trade execution and asset custody.
• eMoneycoreTechnology or IntegrationeMoney enables clients to view and manage all of their assets in one place at any time, providing comprehensive portfolio aggregation and reporting capabilities for CB3 clients.
• Nitrogen (formerly Riskalyze)supportingTechnology or IntegrationNitrogen empowers clients to monitor their sensitivity to changing market and economic conditions and easily communicate portfolio concerns with CB3 through an automated platform.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Mercer Advisors: National RIA delivering wealth management, tax, estate, and investment advisory services to HNW families. Closely comparable service breadth and HNW family target market, scaled through acquisitions.
• Mariner Wealth Advisors: RIA platform offering comprehensive financial planning, investment management, and family-office-style services to HNW clients. Strong overlap with CB3's retirement/trust asset management offerings, though operating at significantly larger scale.
• Hightower Advisors: National RIA providing personalized wealth management to HNW individuals and families through advisor partnership model. Competes directly for the same HNW family segment that CB3 targets.
• Carson Group (Carson Wealth): Wealth management firm combining advisor support with heavy content and educational marketing. Comparable in client-first family-office positioning, content-led client acquisition, and emphasis on advisor accountability, but operating at greater scale through a partnership model.
• Edelman Financial Engines: Fee-only registered investment advisor serving mass-affluent and HNW households with personalized portfolio management, also using Schwab as a custodian. Directly comparable business model, fee structure, and customer segment to CB3 Financial.
• Creative Planning: Large-scale RIA providing comprehensive wealth management including retirement, tax, and estate planning to families — directly comparable offering mix and target clientele, though at much greater scale.

Broad incumbents

• Focus Financial Partners: Partnership platform for independent wealth management firms, including RIA and family office practices serving HNW clients. Directly comparable operating philosophy of independence with added scale, infrastructure, and capital support.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of RIAs and advisors who manage client portfolios in a comparable fee-based model. Functions as indirect competitor and potential custodian/scale alternative to CB3's incumbent setup.
• Cetera Financial Group: Independent broker-dealer and RIA support platform offering investment advisory services through affiliated advisors. Comparable in delivering wealth management to households, but operates as a broad platform rather than a single boutique RIA.

Emerging players

• Sanctuary Wealth: RIA partnership platform supporting independent advisor teams transitioning from wirehouse/BD affiliations. Comparable HNW clientele and fee-based advisory model, offering one path for a small RIA to scale through partnership.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CB3_LIVE
• YouTubeyoutube.com/channel/UC8DQ8jHvv0vcVpAiXQ66hOg
• Facebookfacebook.com/cb3live

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cb3 Financial Group