About Centoic
We’re making education planning simpler and smarter for families through focused guidance and technology-powered solutions that keep you in control.
Why Centoic?
With thousands of investment advisors out there, why start another one? At Centoic, we focus on a specific need: education planning. Traditional advisors might take a broad approach to wealth management, with education savings being just a small part of their services.
Their fee structures usually require significant assets under management, making their services less accessible for families focused primarily on saving for education. Robo-advisors can offer lower fees, but they often lack the personalized guidance that families need.
We believe that families deserve clear, specific advice on saving for education, without the added cost of money management. As discussed in our Form ADV Part 2A (Item 5), our model avoids fees that are based on assets under management.
Note that these observations are based on general industry trends and individual experiences may vary. We always encourage reviewing Form ADV disclosures for any advisor.
What Makes Us Different
A Focus on Guidance for Education
We don’t manage your money. Instead, we charge flat advisory fees to help you plan, save, and invest specifically for education. We provide non-discretionary advice you implement in your own accounts, as detailed in our Form ADV Part 2A (Item 4). Note that our guidance on tax-advantaged vehicles like 529 plans is for educational purposes only and not a substitute for personalized tax advice.
Technology-Powered Solutions
We’re creating our own software and data systems to provide high-quality advice efficiently and affordably, in compliance with our fiduciary obligations (see our Form ADV Part 2A, Item 8). From 20 years of experience in technology and financial services, we’ve learned there’s a lot we can do to make the advisory experience easier for families.
Empowering Clients With Knowledge
We’re here to help you become more informed about your financial choices. Our goal is to guide you through not only the steps to take but also the reasons behind them and how investments work.
Our Mission
Centoic empowers families to confidently plan and save for their children’s education without surrendering control of their money or paying fees based on assets under management.
Our Approach
At Centoic, we’ve built our services around three core principles:
You Keep Control
Your money stays in your own accounts at the institutions you choose. We provide the roadmap and guidance, but you implement the plan yourself. This approach keeps you engaged, reduces costs, and ensures you always maintain full control.
Transparent Pricing
We charge for our time and expertise, not a percentage of your savings. Whether you work with an advisor on a project basis or subscribe to our app, you’ll always know exactly what you’re paying and why. No hidden fees, no conflicts of interest, no commissions.
Education-Focused Expertise
Unlike general financial advisors who handle everything from retirement to estate planning, we’re 100% focused on education savings. This specialization means we stay current on college costs, financial aid strategies, 529 plan options, and tax-advantaged education savings vehicles.
Regulatory Information
Centoic is a trade name of StackFlip LLC, an investment adviser registered in the State of California. Advisory services are only offered to residents of the State of California or where otherwise permitted by law.
Right now, we’re working exclusively with clients in California. We’re also developing a web app to make our services even more accessible to California residents. We plan to pursue registration in additional states to expand access across the U.S. in the future. See our Form ADV Part 2A (Item 4) for details on service availability.
We believe in complete transparency. Our Form ADV Part 2 is publicly available and contains detailed information about our services, fees, conflicts of interest, and business practices.
Read Our Form ADV Part 2As a fee-only fiduciary, we are legally obligated to act in your best interest at all times. We do not receive commissions, kickbacks, or any other compensation from third parties for recommending specific products or services.
Questions About Centoic
Is Centoic a registered investment advisor?
Yes. Centoic is an investment adviser registered in the State of California. As a registered investment adviser, we are held to a fiduciary standard. meaning we are legally obligated to act in your best interest.
You can learn more about our firm, our advisors, and our services by reading our Form ADV Part 2, which provides detailed disclosures about how we operate.
What states does Centoic serve?
Advisory services are currently available to residents of the State of California or where otherwise permitted by law.
Join the waitlist to be notified if our services, including the app that's coming soon, are available in your state.
What’s Next?
Whether you want to work with an advisor or wait for our app, we’re here to help you take control of your education savings.