Cito Capital Advisors is a registered investment advisor based in Hackensack, New Jersey, providing personalized financial planning and consulting services to individuals. Cito Capital Advisors helps clients determine financial objectives, manage cash flow, plan for retirement, fund education, and review insurance and estate plans. Cito Capital Advisors does not directly manage investment portfolios; instead, Cito Capital Advisors refers clients to third-party money managers to handle investments and receives a portion of their ongoing advisory fees. Cito Capital Advisors charges fixed or hourly fees for financial planning services. Additionally, Cito Capital Advisors's team members maintain outside business activities as insurance agents and registered representatives or investment advisor representatives for other firms, creating potential conflicts of interest regarding commission-based products and services.
Fee Structure
Cito Capital Advisors does not directly manage client portfolios or charge direct investment management fees. Instead, Cito Capital Advisors refers clients to third-party money managers who manage the investments and charge their own fees. Cito Capital Advisors receives a portion of the advisory fees charged by these third-party managers as a referral fee. Clients do not pay extra fees to Cito Capital Advisors for this arrangement beyond what the third-party manager charges.