Investment Management
- 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)
- Lease v. buy my car?
