Cigale Finance

What Cigale Finance does

Cigale Finance is a privately held fee-only fiduciary financial advisory firm operating as Cigale Financial Services LLC from a single office in Shrewsbury, Massachusetts. The firm delivers three core services: Financial Planning offered as hourly consultations or one-time comprehensive projects covering budgeting, saving, tax planning, and investing; Investment Management for individuals, with portfolios constructed from mutual funds, ETFs, individual stocks, and bonds held in brokerage, IRA, and self-employed 401(k) accounts, billed as a quarterly percentage of assets under management; and Outsourced CIO (OCIO) services for local non-profit organizations, providing portfolio monitoring, risk and liquidity management, asset allocation, investment policy development, and compliance, also billed quarterly as a percentage of total AUM. The firm explicitly positions itself as legally and ethically bound to act in clients' best interest, prohibited from earning commissions, and fully independent of any investment company or product sponsor.

The business model is professional services revenue, comprising project-based fees (financial planning) and recurring AUM-based fees (investment management and OCIO), with all compensation received directly from clients. Customer acquisition is direct-to-client via the firm's website, which integrates Calendly appointment scheduling and a Microsoft Forms contact form; no paid digital marketing, partnerships, or institutional distribution channels are disclosed. The firm is a single-jurisdiction Massachusetts LLC with no parent company, subsidiaries, funding rounds, or disclosed headcount, and there are no management team, board, or named customer logos in the available source material. Underlying technology is unspecified, there is no app, API, or disclosed integration ecosystem, and no AI/ML capabilities are referenced anywhere in the source data.

Operationally, Cigale Finance is a small, independent RIA practicing in a highly regulated fiduciary segment where compensation structure (fee-only, no commissions) is itself the primary differentiator. Disclosure artifacts include a published Table of Fees for Services and Form ADV Part 2A&B, and the firm operates under a 2024-2026 website copyright window. No revenue, AUM, client count, headcount, founding date, awards, patents, or strategic transactions are disclosed, limiting any quantitative assessment of scale or trajectory.

Name

Cigale Finance

Legal name

CIGALE FINANCIAL SERVICES LLC

Website

https://cigalefinance.com

Company type

Private

Operating status

Operating

Short description

Cigale Finance is a fee-only fiduciary RIA in Shrewsbury, MA offering financial planning, investment management, and outsourced CIO services to Massachusetts residents and local non-profit organizations on hourly, flat-fee, and AUM-based pricing.

Ownership category

akta.pro rank

Product category

Wealth and Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Fee-only fiduciary planning
• Investment management services
• Outsourced CIO services
• Nonprofit portfolio management
• Retirement account planning

Headquarters

HQ city

Shrewsbury

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D

Revenue model

1. Financial Planning Fees: Hourly fee or flat fee for financial planning consultations and comprehensive projects covering budgeting, saving, tax planning, and investing strategies.
2. Investment Management Fees: Percentage of assets under management (AUM) fee deducted quarterly. Manages investment portfolios including mutual funds, ETFs, individual stocks, bonds, and other suitable securities across various account types.
3. Outsourced CIO (OCIO) Services for Non-Profits: Percentage of total assets under management fee for non-profit organizations, covering portfolio monitoring, risk and liquidity management, asset allocation, investment policy development, and compliance.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Cigale Finance provides fee-only fiduciary financial planning, investment portfolio management, and outsourced CIO services. Its planning engagements cover budgeting, saving, tax planning, and investing, while its nonprofit OCIO service manages investment portfolios and endowments, including allocation, risk and liquidity, investment policy, and compliance.

Product overview

Cigale Finance is a fee-only fiduciary financial advisory firm offering a unified suite of services for Massachusetts residents and non-profit organizations. The three core offerings are Financial Planning (budgeting, saving, tax planning, and investing), Investment Management (portfolio management across various account types and securities), and Outsourced CIO for Non-Profits (delegated investment management for endowments). Services are compensated through hourly fees, flat fees, or percentage of assets under management.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Fee-only fiduciary financial planning for individuals and businesses, covering budgeting, saving, tax planning, and investing strategies and delivered through hourly consultations or one-time comprehensive projects based on scope and complexity.
• Investment Management Ongoing management and continuous review of individual investment accounts, with portfolios tailored to risk tolerance, goals, financial situation, and investment horizon. Portfolios may use mutual funds, ETFs, individual stocks, bonds, and other suitable securities across brokerage accounts, Traditional or Roth IRAs, and self-employed 401(k)s.
• Outsourced CIO for Non-Profits Outsourced investment management for nonprofit portfolios and endowments, including portfolio monitoring, risk and liquidity management, asset allocation, investment policy development, and compliance.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights2 records

Direct peers

• Buckingham Strategic Wealth: National fee-only fiduciary RIA offering financial planning and investment management to individuals. Closely comparable on model, fee structure, and service breadth, though operating at materially larger scale.
• Facet Wealth: Digital-first fee-only fiduciary financial planning and investment management firm. Directly competes with Cigale on the fee-only, commission-free thesis for individual clients, though delivered virtually rather than locally.
• Wealthsimple: Fee-only digital investment and financial planning platform. Comparable on the fee-only positioning and fee structure, though serves a mass-market digital clientele versus Cigale's local individual and non-profit focus.
• Glenmede: Wealth and investment manager with dedicated non-profit and endowment OCIO capabilities. Directly comparable on the OCIO-for-non-profits service line that is core to Cigale's offering.
• Commonfund: Specialized OCIO and investment manager focused on non-profit, foundation, and endowment clients. Direct competitor for Cigale's Outsourced CIO service targeting local non-profits.
• XY Planning Network: Network and support organization for fee-only financial advisors serving Gen X and Gen Y clients. Highly comparable on the fee-only fiduciary model, though XYPN supports many independent advisors rather than delivering advice itself.

Broad incumbents

• Carson Group: Large RIA platform supporting thousands of financial advisors with fee-based wealth management offerings. Comparable business model and fee-only orientation, but operates at platform scale rather than as a single local practice.
• Schwab Wealth Advisory: Charles Schwab's fee-based advisory service offering financial planning and managed portfolios. Comparable service mix for individual investors, with the backing of a major custodian and far broader scale.
• Empower (formerly Personal Capital): Large hybrid RIA offering digital financial planning tools and human advisor services. Comparable on the planning-plus-managed-portfolio thesis, but at far greater scale and with a broader national footprint.

Emerging players

• Betterment: Pioneer robo-advisor that has expanded into human advisor services. Competes with Cigale's investment management offering, particularly on price, but lacks Cigale's local, in-person non-profit OCIO focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Cigale Finance