While each of us live a different life,
we will all go through times of transition. Navigating those transitions can be difficult without a trusted partner to help with the following:
The core of your plan ➜
Your investment portfolio is the core of your financial plan. We manage your investments in house, with objectives to minimize declines and capture growth to build a sustainable portfolio for your long-term financial goals.
Road to financial freedom ➜
When you have spent your whole career being paid for your expertise, the transition from earning your living to financial freedom may seem like a daunting adjustment. We help you properly plan for this period of your life to ensure you can maintain your lifestyle when you stop collecting a paycheck.
Funding your priorities ➜
Cash flow management is about balancing your short-term desires and impulses with setting money aside to fund your long-term goals. We partner with you to make better decisions that reflect your values.
Minimize taxes ➜
Taxes impact nearly every part of your financial plan. We partner with you to identify long-term tax strategies and analyze the costs and benefits of either paying taxes now or deferring them into the future.
Employer benefits analysis
Get the most from your employer ➜
We help you understand what your employer is offering you and take advantage of benefits that are often overlooked. These may include the use of tax advantaged accounts such as Flexible Spending Accounts or the ability to purchase corporate stock at a discount.
Prepare the next generation ➜
Education planning involves more than just saving money. Understanding technical details of education savings accounts and student debt programs is critical for today’s students to access quality education. We help you plan for your children’s education to make a difference in their lifetime earnings and opportunities.
Protect what matters ➜
We don’t sell commissioned products. We partner with you to analyze the cost of your existing coverage and ensure that you have adequate protection in a cost-effective way.
Quality healthcare ➜
Access to and the expense of quality healthcare is a primary concern for families and individuals through all stages of life. We help you understand your current coverage, the integration of Health Savings Accounts, and expectations for long-term health expenses, including analysis of long-term care insurance.
Provide meaning to your life's work ➜
Everyone feels better with a plan in place to protect and provide for those people and organizations they care about. We assist you in developing a technical plan that protects your loved ones and provides for charitable organizations. We then follow through with you to set this plan in place get documents drafted that reflect your values and your life’s work.
*Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. CWM does not serve as an attorney, accountant, or insurance agent. CWM does not prepare legal documents or tax returns, nor does it sell insurance products.
Your entire financial picture, organized and accessible.