Cumberland Advisors is a RIA, registered investment advisor firm, headquartered in Sarasota, FL. Founded in 1973, we are a dedicated fee-for-service only asset manager joining market leading knowledge, analysis, & management with very low fees. The firm manages billions in fixed income as well as equity accounts (using exchange-trade funds only). Our clients are individuals (direct clients as well as managed money through financial advisors), institutions, retirement plans, & gov't entities. The complete investment philosophy & strategy is available on our website under "Investment Strategy." Please search YouTube for "CumberlandAdvisors" to view frequent market commentary & updates including our free weekly update by Matt McAleer,