Cumberland Advisors
Cumberland Advisors is a long-established, independent fee-only investment management firm serving financial advisors, individual investors, and institutional clients. Founded in 1973, the firm is widely recognized for its expertise in fixed income management, market research, and personalized portfolio construction. Cumberland Advisors manages client assets through a suite of proprietary fixed income, equity, and balanced strategies, each designed to align with the unique objectives and risk profiles of its clients, including institutions, nonprofits, and private investors. Backed by a team of respected economists and investment strategists, the firm is known for its deep analysis of interest rate trends, monetary policy, economic conditions, and capital markets, which directly informs its disciplined investment approach.
ABOUT CUMBERLAND ADVISORS
Cumberland Advisors is a Sarasota-based investment advisory firm managing more than $3 billion in assets for individuals, institutions, government entities, and retirement plans.
The firm provides a comprehensive suite of fixed income, equity, and balanced portfolio strategies supported by independent research and decades of market experience.
Known for its disciplined, data-driven investment approach, Cumberland focuses on long-term performance, risk management, and transparent portfolio construction.
The firm emphasizes strong client relationships, offering personalized communication among clients, their tax advisors, consultants, and dedicated portfolio management teams to ensure aligned financial outcomes.
INVESTMENT STRATEGIES
Fixed Income Strategies
Municipal Bond Portfolios – Cumberland manages customized tax-exempt municipal bond portfolios designed to provide stable income, strong credit quality, and tax efficiency.
Taxable Fixed Income Portfolios – The firm invests across diversified taxable fixed income markets—including Treasuries, corporate bonds, and credit sectors—to capture yield and manage interest-rate risk.
Short, Intermediate, and Long-Duration Mandates – Cumberland tailors duration strategies to client objectives, aligning interest-rate exposure and total-return potential with individual risk preferences.
Equity Strategies
U.S. Equity Portfolios – The firm offers actively managed U.S. equity portfolios focused on high-quality companies with durable fundamentals and long-term growth potential.
Global & International Equity – Cumberland provides broad global and international equity exposure through actively managed strategies that identify opportunities across developed and emerging markets.
Thematic & Sector Equity – The firm develops targeted thematic and sector-based equity strategies informed by macroeconomic analysis, industry trends, and structural market shifts.
Balanced/Asset Allocation Strategies
Balanced Portfolios – Cumberland constructs diversified portfolios blending equities and fixed income to match specific risk profiles and long-term financial objectives.
ETF-Based Tactical Strategies – The firm manages tactical ETF portfolios that adjust sector, style, and geographic exposures in response to real-time market signals and economic data.
Specialized & Custom Solutions
Customized SMA Portfolios – Cumberland offers bespoke separately managed accounts tailored to client mandates across fixed income, equities, or multi-asset portfolios.
Income-Oriented Portfolios – The firm creates income-focused strategies emphasizing high-quality bonds and dividend-paying equities to support predictable cash flow.
Institutional Mandates – Cumberland provides institutional-grade investment solutions designed to deliver long-term stability, liquidity management, and capital preservation for public and private institutions.