Discretionary Investment Management

CIO is a registered investment advisor (RIA) and provides discretionary investment management services through three industry leading firms.

Primarily, CIO utilizes Charles Schwab Advisor Services as our custodian for a full range of brokerage account types such as taxable investment accounts, trusts, and individual retirement accounts (IRAs).*

Additionally, CIO maintains RIA advisory agreements with Capital Group/ American Funds for CollegeAmerica 529 account management, and Pacific Life for variable annuity contract investment management.**

*CIO does not invest in leveraged or inverse ETFs, hedge funds, private equity, or structured products.

**CIO is a registered investment advisor and does not offer insurance products. CIO's variable annuity scope of engagement is limited to investment mangement services associated with varaible annuity contracts at Pacific Life.