Investment Management

In our role as fiduciary investment advisors, we recommend and oversee a portfolio that aligns with your present circumstances. Our approach emphasizes tax-efficient investing and financial planning.

Diversified

Our model portfolios are designed with diversification as the cornerstone, as we strive to reduce your risk by allocating your investments across all major asset classes. Each client has their own individual investment account, and their assets are not commingled with others.

Independent

We maintain no affiliations with broker-dealers or fund companies, allowing us to provide clients with independent and objective advice. Furthermore, we do not sell financial products or earn commissions.

Fiduciary

As mandated by the SEC, CFM is held to a rigorous Fiduciary Standard. This requires us to prioritize investments that align with our client's goals above all other considerations.

Tax-Efficient

Our investment approach considers your unique tax circumstances, with the goal of maximizing your investment returns. To construct tax-efficient portfolios, we primarily utilize Exchange Traded Funds (ETFs).

Investment Analysis & Portfolio Review
Portfolio Rebalancing
Financial Goal Setting
Ongoing Investment Advisor Available For Questions
Income Tax Preparation & Planning

Read Our Most Recent Investment Commentary Here!

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Our Investment Philosophy

Preserving wealth is a critical component of investing, and our aim is to help safeguard the assets you've worked hard to accumulate. By working with a fee-only fiduciary investment advisor, you can expect objective financial advice from an advisor who prioritizes the client's best interests above all else.

Our primary focus is on managing risk and constructing diversified portfolios that encompass a range of asset classes. Our portfolios aim to outpace inflation and promote long-term wealth growth. We prioritize broad diversification across asset classes, and we overweight the sectors and regions that we anticipate will outperform over the next 12 to 18 months. By not accepting commissions, we ensure that our interests remain aligned with those of our clients.

Our Investment Strategies

Below are some examples of CFM Investment Portfolios Available to Our Clients.

Aggressive

An investor with a time horizon over 10 years, who has other savings, and sees no reason to have near term access to their investment principal. The investor has low concern for volatility and seeks to prioritize growth over income within the portfolio.

Semi-Aggressive

An investor with a time horizon over 10 years, who has other savings, and sees no reason to have near term access to investment principal. The investor realizes the returns may trail the stock market, the value in the account will fluctuate significantly, and there is a risk to losing investment principal.

Moderate

An investor with a 6 - 10 year time horizon, who may have other savings and does not see a short term need for their investment principal. The investor’s goal is to take moderate investment risk, with more emphasis on stocks than bonds.

Conservative

An investor with a 3 - 5 year investment time horizon. A person who may be retiring in the next few years, or has a near term need for their investment principal. The investor wants more emphasis on the income that bonds provide, and desires modest profits with equities.

Preservation

An investor with a 1 - 3 year time horizon, and who wants a portfolio dominated by bonds, and a smaller amount of stocks. Income and safety are the primary emphasis with bonds, and the investor desires to grow with caution, having around 20% in equities.

Bonds and Money Market Only

Safer investments with a short time horizon. There are no stocks contained in this portfolio, and investment risk is lower than any other model. (0% Stocks / 100% Bonds & Cash Equivalents)

Frequently Asked Questions

What's a fee-only fiduciary advisor?

A financial advisor who acts in a fiduciary capacity pledges to put the interests of their clients first. This means that any recommendations made to their clients are made solely with the client’s best interests in mind. Fee-only advisors are compensated only from the fees charged to the client. There is no compensation from the providers of financial products. Learn more about the importance of a fee-only fiduciary advisor here.

How often will you rebalance my portfolio?

Typically CFM rebalances model portfolios between 4 to 8 times per year. We routinely rebalance the portfolios quarterly, and will occasionally implement a mid quarter rebalance if there are unforeseen changes in the market environment.

How will my account be invested?

We will help you choose a model portfolio that fits your risk tolerance, time horizon, and goals. Our overall investment strategy focuses on broad diversification across asset classes and we overweight the sectors and regions which we believe will outperform in the next 12 to 18 months. We primarily use Exchange Traded Funds (ETFs) to construct our model portfolios.

Who is the custodian of client investment accounts?

Charles Schwab & Co., Inc. is the custodian of client investment accounts. CFM is independent and unaffiliated with Charles Schwab. Charles Schwab is an SEC-registered broker-dealer and SIPC member.

How do I review my account & performance?

Clients receive reports detailing portfolio positions, cash balances, transaction details, income, and expenses on a monthly basis from Charles Schwab. Clients are also able to access their accounts online through Charles Schwab's website and mobile app. In addition to the above, CFM mails reports to clients detailing their portfolio positions, cash balances, and top holdings. These reports are also available upon request.