Expert Financial Planning Services

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Services

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Helping you Transform your financial life is our privilege

Our fee-only financial planning and wealth management services help you meet your individual needs and financial objectives so you can achieve your life's dreams.

Wealth Management
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We provide a globally diversified and disciplined approach to long-term investing with low fees and a tax-efficient mindset to assist you in realizing your legacy’s full potential.

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Financial Planning
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Whether you’re buying your first home, planning for the sale of a business, navigating a difficult life transition, or reaching your encore years, we help you balance enjoying life today with securing your long-term financial future.

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Wealth Management

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Through our fee-only wealth management services, we direct your hard-earned assets to meet your portfolio goals and build peace of mind so you can focus on the things that matter most. Our experienced team takes care of your financial considerations, designs your investment plan, and provides ongoing support to advance your wealth management strategy. We will be with you for years to come.

Investment Planning

Our team of CERTIFIED FINANCIAL PLANNER™ professionals can help you establish a long-term investment strategy suited to you and your needs. We take the time to learn about your investment experience, assess your goals, and build a personalized and simplified portfolio. We keep you as informed as you want to be about your portfolio through regular market updates, tax-efficient rebalancing, and quarterly and annual reporting.

Research and Management

Maintaining a strong investment portfolio requires time, discipline, considerable skill, and an understanding of long-term drivers of returns. From ongoing monitoring to trading and rebalancing, we take care of your portfolio management needs while keeping you involved and up-to-date about your current investments.

Client Service

Our service sets us apart - we hear it from clients all the time. We want to take as much as possible off your plate while also keeping your assets and personal information secure. As a resource to you, we’ll handle document preparation, transfers, discuss charitable gifts, maintain timely required minimum distributions for your IRAs, and even provide notary services.

Unbiased Perspective

We are independent, meaning we are not tied to any particular strategy or investment option. We are free to work with you in an unbiased manner and focus on your needs first. This independent structure gives you the peace of mind that we can design and implement the most beneficial path forward for you.

Optional Sustainable Investment Strategies

Our sustainable investment strategies evaluate your environmental and social priorities, so we can help align your portfolio with your values without compromising your returns or objectives. Learn more about how you can reach your financial goals while also doing your part to improve the planet, promote sustainability, and serve other social causes important to you through environmental, social, and governance (ESG) investing.

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WEALTH PLANNING PROCESS

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Identify Investment Goals

We want to know your investment goals and what you hope to accomplish. Every dollar has a purpose and your investments are a tool to help you get you where you would like to go. We will discuss your personal values and decide which investment options are going to appropriately align with them.

Determine Risk Tolerance and Time Horizon

With your input, we will determine your overall investment objectives, your investment time horizon and your risk tolerance. This input will be reflected in an investment proposal and ultimately in your personalized Investment Policy Statement that will guide us for the next twelve months should you decide to move forward with CCMI.

Written Investment Policy

After gathering all the information from our first meetings and conversations, CCMI will prepare a written Investment Policy Statement (IPS) that will outline the objectives of your investment plan, list any cash needs, as well as list the parameters of the investment allocation that will be implemented.

Accounts Established

Once we’ve agreed upon the investment strategy moving forward, we will set up new accounts and prepare any necessary transfers to consolidate your holdings. We will do as much of the work as possible for you to make the transition process go smoothly.

Investments Allocated

Once you have all the new accounts established and funded, we will make the initial trades per our proposal and your Investment Policy Statement. From this point forward, CCMI is on duty to manage your portfolio.

Quarterly Reports

With the portfolio invested according to the strategy created to reflect your goals, we will send easy-to-understand quarterly reports and market commentary so you can stay up to date on your investment performance. We also provide a summary of your quarterly fees in a simplified format. In addition, we offer our investment portal where you can see daily performance of your accounts, if you choose.

Monitor Portfolio

Our investment committee will monitor your overall portfolio, including all the investments we have selected for you to make sure things are on track toward your goals and aligned with your values. This includes quarterly rebalancing if appropriate, tax-loss harvesting, portfolio-related tax planning, cash management, all trading, and monitoring economic conditions along with your investments.

Annual Review

At least once a year, we meet with you to review the prior 12 months and to discuss any need for changes going forward. We will review with you the investment strategy, performance, allocation, and your cash needs to see if everything is properly aligned. We can also talk about any changes in your life that may affect your strategy moving forward and can make any strategic pivots needed to keep you moving in the direction of your goals.

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Our Fees

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1.0% of assets valued between $0 and $1 million

0.8% of assets valued between $1,000,001 and $2 million

0.6% of assets valued between $2,000,001 and $3 million

0.4% of assets in excess of $3 million

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Financial Planning

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We want to help you secure your future while enjoying the present. Whether you’re preparing to buy your first home, funding your child’s education, facing a significant transition or positioning your business for generational success, we present appropriate options and unbiased guidance that help you reach your highest financial potential.

Business Owners

As business owners ourselves, we understand the significant time and investment it takes to operate a successful business. Through experienced planning and counseling, we help you articulate and implement your vision as a springboard to personal financial independence. Work with our team of advisors when preparing for a liquidity event, drafting a succession plan, or taking steps to build and protect your business.

Cash Flow & Retirement Planning

Balancing your income and expenses ensures you can achieve future financial goals and manage life transitions effectively. We work with you to review your sources of income and implement tax-efficient strategies to pay off debt, navigate a windfall, pay tuition, invest for your future, prepare for retirement, and more.

Estate Planning

Under general guidance, we help individuals, families and professionals design estate plans that fit their needs and adequately equip them to meet with an estate attorney. We discuss various tax-efficient scenarios, charitable giving goals, and how we can facilitate explaining your wishes to your family.

Asset Planning

From building your wealth to managing a recent inheritance, protecting your financial assets is the key to attaining and preserving your financial success. We work with you and your insurance professional to review your policies and make unbiased recommendations to help you withstand significant life events and protect your income, property, and family.

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FINANCIAL PLANNING PROCESS

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Initial Appointment

This is our opportunity to get to know one another. We will learn more about you and your financial situation, family, goals, concerns and more. This also gives you an opportunity to learn about how we work and understand the services we offer. This complimentary meeting will take up to an hour and we will ask you to provide some high-level financial information for our discussion.

Planning Proposal

We are looking forward to moving ahead. Now is the time to review all the details before you engage CCMI as your advisor. Based on our initial conversation, we will present you with a planning proposal that will outline the objectives of working together, clearly list the fees that will apply for our services, and list any additional information we require.

Discovery Meeting

Now it’s time to dive into the specifics of your financial plan. Most importantly we want to get a deeper understanding of your goals so we can create a plan to reach them. To create the most customized financial plan for your future, we want to know what’s truly important to you. We will ask guiding questions that will help us best understand what you want to accomplish as we review your assets, liabilities, income and expenses with you.

Preview of Planning Scenarios

At this stage, we will meet with you to review the initial outcome of your financial plan and any alternate scenarios we’ve created for you. We will discuss the outcome of different scenarios and possible adjustments, such as making larger purchases sooner or later, changes in income or expenses projections, or paying off certain debts. We will utilize our MyWealthPlan live modeling software to show you any desired changes in real-time.

Written Plan Recommendations and MyWealthPlan

Based on everything we have gathered, discussed and agreed upon, we will put together a detailed, customized financial plan. This will focus on the scenarios you’ve selected that match your goals as well as various planning considerations for your unique situation. We will send the plan to you for your review and ask that you make note of questions so we can address them in our review meeting.

Review Meeting & Implement Recommendations

The final review meeting sets the stage to put our recommendations into action as we review with you the action items we have recommended. These action items will put you on track with your financial planning goals. We will provide you with a detailed list of recommendations so you know what to do next and we are always available to assist when needed.

Monitor Progress

When you work with CCMI, you don’t have to follow your plan on your own. We are with you when you need us throughout the implementation process. With your MyWealthPlan portal you can also connect your accounts, create a budget, monitor your progress in real-time and alert us to any possible concerns as time unfolds. In addition, our team will periodically stay in touch with you to make sure things are on track.

Annual Update

Once a year we will invite you to meet with us in case any updates are needed. Sometimes it may be several years before any revisions are required. We want to know about any significant changes in your life, such as job transition, marital or personal changes, large purchases, or anything else that might impact your overall financial plan, as well as any new goals or concerns. These periods of change are great opportunities to revisit your financial plan to make sure you continue down the right financial path.

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Our Fees

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Our planning fees are billed on an hourly basis. When you partner with us, you will receive an estimate that breaks down this hourly rate and what we expect the total fees to be. Any changes based on further discoveries or more complex planning that is required will be discussed with you before we move forward. This transparent, proactive fee approach keeps you aware of what you will be paying, and what you’re paying for, before the fees are incurred.

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Who We Serve

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