AdFi
CA

CGN ADVISORS, LLC

SEC Registered

Hourly, Fee-Only Financial Planning that is Aligned with Your Life Goals

MANHATTAN, KShttps://cherylober.com910-333-6659
Assets Under Management
$1B–$5B
Employees
53
Office Locations
18 offices
Total Accounts
4023

About the firm

Cheryl Ober Financial Planning is an Investment Advisor Representative of CGN Advisors, LLC, a fee-only SEC-Registered Investment Advisor with an office located in Minneapolis, Minnesota. As an independent, Fee-Only advisor, the firm works solely for its clients, providing objective advice without receiving commissions or managing investment accounts. The firm specializes in helping couples create a cohesive plan for retirement.

Firm Focus

Client segments reported on the firm's SEC Form ADV — applies to all advisors at the firm.

IndividualsHigh Net WorthPension/Profit SharingCharitable OrganizationsState/Municipal

Areas of expertise

Fee-only Financial PlanningRetirement PlanningTax PlanningSocial Security PlanningMedicare PlanningCash Flow PlanningEstate PlanningInvestment ConsultationDebt ManagementLong-term Care PlanningLife Insurance Needs Analysis

Services

Personal Financial Planning, Investment Consultation, Retirement Planning and Projections, Tax Planning, Cash Flow Planning, Debt Management, Social Security & Medicare Planning, Long-term Care & Retirement Living Planning, Life Insurance Needs Analysis, Estate Planning, and Ongoing Annual Financial Check-Ins.

Who they serve

Couples planning for retirement, with no minimum account balance and no net worth requirements; clients may engage on a one-time, as-needed, or ongoing basis.

Client segmentClientsAssets managed
Individuals (Non-HNW)788$282M
High Net Worth Individuals493$1.2B
Investment Companies0
Pooled Investment Vehicles0$0
Pension/Profit Sharing Plans0$0
Charitable Organizations25$25M
State/Municipal Entities7
Insurance Companies1
Sovereign Wealth Funds0
Corporations0$0

999 total clients reported on Form ADV.

Leadership

Justin Wayne Nichols
PRINCIPAL & CHIEF EXECUTIVE OFFICER
Michael Lawrence Greim
PRINCIPAL, CHIEF INVESTMENT OFFICER & CHIEF COMPLIANCE OFFICER
Llc Cgn Companies
MANAGING MEMBER
Chad Edward Chase
PRINCIPAL
Justin Wayne Nichols
MEMBER
Michael Lawrence Greim
MEMBER
Chad Edward Chase
MEMBER

Office locations

18 offices in 14 states
KS
MANHATTANHQ
TX
GEORGETOWN
MI
GRAND RAPIDS
FL
BROOKSVILLE
AR
ROGERS
WI
LAC DU FLAMBEAU
SD
SIOUX FALLS
CO
COLORADO SPRINGS
CT
AVON
AZ
PHOENIX
NC
ASHEVILLE
MN
HASTINGS
IL
INVERNESS
IL
OAK PARK
CT
WINDSOR
IL
KANKAKEE
TX
FULSHEAR
NE
BELLEVUE

Advisors at this firm

38 advisors in the directory

Lindsay Ann Adams
Investment Adviser Representative
Investment Adviser Rep
Johnathan Michael Aelmore
Investment Adviser Representative
Dual-registered
Beth Anne Agnello
Investment Adviser Representative
Investment Adviser Rep
Douglas Neil Bellfy
Investment Adviser Representative
Investment Adviser Rep
Jonathan Bernstein
Investment Adviser Representative
Dual-registered
Thomas Kirby Belding
Investment Adviser Representative
Investment Adviser Rep
Jamie Ann Bosse
Investment Adviser Representative
Investment Adviser Rep
John Colin Bush
Investment Adviser Representative
Investment Adviser Rep
Chad Edward Chase
Investment Adviser Representative
Investment Adviser Rep
Jeffrey Patrick Euting
Investment Adviser Representative
Dual-registered
Scott Alan Emley
Investment Adviser Representative
Dual-registered
Steven Hill Ferger
Investment Adviser Representative
Investment Adviser Rep
John Joseph Flanagan
Investment Adviser Representative
Dual-registered
Thomas Alan Fredrickson
Investment Adviser Representative
Investment Adviser Rep
Michael Lawrence Greim
Investment Adviser Representative
Investment Adviser Rep
Brigham Scott Glaves
Investment Adviser Representative
Investment Adviser Rep
Jordan Edward Grzesczyk
Investment Adviser Representative
Dual-registered
David John Huebner
Investment Adviser Representative
Investment Adviser Rep
Cydney Jean Jones
Investment Adviser Representative
Investment Adviser Rep
Daniel Edward King
Investment Adviser Representative
Dual-registered
Carrie Nola Kulig
Investment Adviser Representative
Investment Adviser Rep
Cheryl A Krueger
Investment Adviser Representative
Investment Adviser Rep
Brent Eugene Lince
Investment Adviser Representative
Investment Adviser Rep
David Decosta Leitao
Investment Adviser Representative
Investment Adviser Rep
Justin Wayne Nichols
Investment Adviser Representative
Investment Adviser Rep
Alison Yuk Tai Ngai
Investment Adviser Representative
Investment Adviser Rep
Cheryl Anne Ober
Investment Adviser Representative
Dual-registered
Roger John Peterson
Investment Adviser Representative
Investment Adviser Rep
Gregory Samuel Pierce
Investment Adviser Representative
Investment Adviser Rep
Diane Marie Pearson
Investment Adviser Representative
Dual-registered
Kristin Lynn Rogers
Investment Adviser Representative
Dual-registered
Theresa Lynn Rowland
Investment Adviser Representative
Investment Adviser Rep
Matthew Martin Schlossman
Investment Adviser Representative
Investment Adviser Rep
Amy Lynn Shappell
Investment Adviser Representative
Dual-registered
Callen Thomas Shimkus
Investment Adviser Representative
Investment Adviser Rep
Sheila Rae Stowers
Investment Adviser Representative
Dual-registered
Jason Lee Williams
Investment Adviser Representative
Investment Adviser Rep
David John Walz
Investment Adviser Representative
Investment Adviser Rep

Regulatory & compliance

CRD number
#159359
SEC Number
801-72913
Disciplinary History
Yes
Fee Model & Minimums
Model: AUM / Hourly / Flat Fee
Minimum: $5,000 (waivable)

Data as of April 7, 2026 · Source: SEC IAPD & FINRA BrokerCheck

Contact Information

Editorial disclosure

This profile was compiled and published by AdvisorFinder as editorial content using publicly available information from the SEC's IAPD database and FINRA BrokerCheck. CGN ADVISORS, LLC has not reviewed, approved, or endorsed this profile and is not responsible for its accuracy. Regulatory records change over time — always verify the current record directly on the SEC or FINRA websites before making any decision.

BrokerCheck data is used subject to the FINRA BrokerCheck Terms of Use. Found something inaccurate? Report inaccurate data and we will correct any error we introduced. Errors in the underlying BrokerCheck record itself are referred to FINRA, which maintains that record.

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CGN ADVISORS, LLC in MANHATTAN, KS | AdvisorFinder