Making sure your money is invested properly is a key component of securing your financial future.
The “noise” that fills today’s investing environment is overwhelming and distracting.
CWM helps you focus on what really matters for long-term investing.
Diversification
Disciplined rebalancing of accounts
Asset Allocation
Tax and Fee Mitigation
Tax Mitigation
For most of our clients, their largest expense is not their mortgage or their credit card bill—it’s their taxes.
Depending on your particular situation, we identify opportunities to legally and ethically lower your tax bill.
We do this by looking at your overall financial situation of which taxes is usually a very large part.
We partner with CPAs to stay on top of the ever-changing tax environment to make sure you pay your fair share but no more.
Education Planning
If you have children, we know that planning for their college is a source of stress and uncertainty.
We help you by providing a customized education plan to help pay for college.
We also partner with specialists who can help navigate the difficult application and financial aid processes to ensure that your kids get the education they deserve.
Insurance
Insurance, when used properly, can be an amazing tool to protect both your assets and your income.
CWM does not sell insurance, nor do we make any commission by recommending any insurance product.
What we do is objectively analyze your risks and recommend solutions to address those
Retirement
The first step in a real retirement plan is to help our clients start visualizing what their unique retirement would look like:
At what age will you retire?
Where will you live?
On how much income?
This step is difficult and can often be overlooked.
The most common concern is “I have no idea what that will look like. It is so far out, I cannot visualize it.”
And that’s ok. Our plan is not static. It evolves as you and your family do.
But you wouldn’t start off a cross-county voyage without a map, supplies and a navigator. Nor should you avoid planning for retirement because of uncertainty. The detours we can deal with.
Estate Planning
Single people, families, young and old.
Every person needs a plan for their assets upon death, healthcare decisions, who will raise your children, and who gets your dog.
What happens to my kids if I both my husband and I pass away?
Who makes decisions about end of life health care decisions?
I’m single, what happens to me if I can’t make decisions for myself because of medical incapacity.
We partner with all levels of estate planning attorneys from the simple to the complex to address these questions for our clients.
I go with all of my clients to the estate planning meeting, often acting as a translator to help navigate the intimidating world of estate planning to address unpleasant decisions.
Employee Benefits
Every year our clients, who work for large and small corporations alike, get a long list of options and benefits that the companies offer.
Some of these benefits are extremely valuable and some perhaps not so much.
Do I need long-term disability?Supplemental disability insurance?Flexible spending accounts?
I work with clients who’ve formed fortune 500 companies and very small start-ups, so I have seen it all. I can help you determine what you need.
Other
I often tell my clients, if it involves money and you want my advice on it, I am here to help.
Should I refinance my mortgage?
Can you help me with budgeting?
Should I I be buying that second home?
How much house can I afford?
Can I quit my job and start another one? (hint… yes you can)
