Portfolio Management |
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As a firm, we learned how to build diversified portfolios based on the risk parameters required from a variety of different firms. At CWM, we use the combined experience of over 100 years to use asset allocation to effectively minimize risk, protect principal, and drive returns based on various risk profiles. We determine the strengths, weaknesses, threats, and opportunities regarding the assets and their performance and make an optimum choice so as to maximize the returns from the pool of assets.
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401K Rollovers |
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The key to successful 401K rollovers is for the advisor to become intimately aware of the client's employers process and ensure a smooth transition. At CWM, we do the legwork and have a seamless process to make sure the rollover is successful and with few headaches for the client.
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Retirement Planning |
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Retirement planning is the process of determining retirement income goals, and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, sizing up expenses, implementing a savings program, and managing assets and risk. At CWM, we embrace retirement planning.
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Insurance Planning |
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As experienced insurance agents, we do offer insurance as needed by the client.
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Annuities |
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As experienced insurance agents, we do offer fixed or variable annuities as needed by the client. However, we prefer to stick to overall wealth management and prefer vehicles other than annuities to achieve our clients wealth targets.
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Estate Planning & Trusts |
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We partner with several different estate and trust attorneys to make sure the client experience is seemless.
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Tax Advice and Services |
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Although several of our advisors have tax backgrounds, we prefer to liase with CPAs and tax attorney's who specialize in this field to make sure our advice is targeted and on point.
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Investment Advice & Management |
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We provide investment advice as needed and have at least two meetings with clients per year to make sure we are sticking to the financial plan and goals of the client.
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Wealth Management |
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Wealth management is more about integrating the pieces and advice regarding the financial aspect of an individual. It provides a holistic approach where a manager coordinates with their services so as to manage their money and plan accordingly so as to meet the present and futuristic financial needs and requirements posed by the clientele.
/ At CWM, we form a designated plan so as to increase the clients wealth based on the financial situation, goals and level of risk tolerance. We develop the plan and continue to update and review the plans so as to rebalance the financial portfolio whenever required. This is usually appropriate for individuals who have an array of diverse requirements and need to balance between them.
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Risk Management |
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Risk is inseparable from return. Every investment involves some degree of risk, which is considered close to zero in the case of a U.S. T-bill or very high for something such as emerging-market equities or real estate in highly inflationary markets. Risk is quantifiable both in absolute and in relative terms. A solid understanding of risk in its different forms can help investors to better understand the opportunities, trade-offs, and costs involved with different investment approaches. CWM thinks about risk management in every facet of our clients lives.
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Money Management |
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Effective money management is an essential component for achieving your long-term goals like buying a house and starting a family. Maintaining a budget enables you to save for all the things you hope to someday do. At CWM, we practice money management for all of our clients.
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Financial Planning for Businesses |
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Integrated financial planning process will involve:
Determining both business and personal goals /
Conducting an assessment of business and personal resources, and determining which areas have opportunities for improvement /
Developing and implementing a strategy to help you achieve your vision and making sure to balance business and personal goals /
Monitoring the strategy to determine whether you are on track or if adjustments need to be made in light of changing business and personal goals /
There are many important personal financial planning considerations for you to dive into with us at CWM such as:
Cash flow planning /
Retirement planning /
Investment planning /
Estate planning /
Risk management /
Tax planning /
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Financial Planning for Individuals |
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A financial plan is a comprehensive evaluation of an individual's current pay and future financial state by using current known variables to predict future income, asset values and withdrawal plans.
At CWM, financial planning is an ongoing process that will reduce your stress about money, support your current needs and help you build a nest egg for your long-term goals, like retirement. Financial planning is important because it allows you to make the most of your assets, and helps ensure you meet your future goals.
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Financial Advice & Consulting |
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Effective wealth management combines financial advice and consulting into one effective platform and this is just another aspect of our wealth management at CWM.
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Education Funding and Planning |
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As part of our comprehensive wealth management, education funding and planning is just one of many goals we will cover and ensure that its met with success.
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Ryan Joelson
CFA, CFP, CMFC, CPA, CRPC
