How We Invest

Built Around After-Tax Outcomes, Not Market Predictions

At Canty Financial Management, investing is not about reacting to headlines or chasing short-term performance. It’s about building a disciplined system that aligns investments, taxes, and financial planning to support long-term goals.

Markets are unpredictable. Taxes are permanent. Poor decisions compound quietly.
Our role is to reduce those risks through structure, coordination, and thoughtful execution.

Risk-Aligned Portfolio Design

Every portfolio begins with a clear understanding of: time horizon, financial goals, cash-flow needs, tolerance for market volatility

Portfolios are designed to align with the appropriate level of risk for each client — and that risk level changes only when life circumstances change, not when markets fluctuate.

Within that risk framework, portfolios are actively monitored and may be positioned thoughtfully over time — without altering a client’s overall risk exposure.

We do not increase or reduce a client’s overall risk exposure based on short-term market movements or headlines.

Global Diversification as Risk Management

Diversification is the foundation of our portfolios.

We construct globally diversified portfolios across asset classes, sectors, and regions to reduce concentration risk and manage volatility over full market cycles. Exchange-traded funds (ETFs) are used for their transparency, efficiency, and flexibility.

Strategic Structure, Tactical Flexibility
Within an established risk profile, we may implement modest, time-bound sector or regional tilts over a 12–18 month horizon when supported by longer-term valuation, economic, or structural factors. These adjustments are diversified, size-constrained, and do not change a client’s overall risk exposure.

Tax-Aware Portfolio Management

Taxes are treated as a controllable cost, not an afterthought.

Our investment decisions are coordinated with your broader tax picture, including:

• Ongoing, systematic tax-loss harvesting where appropriate
• Capital-gain-aware rebalancing
• Tax-efficient transitions of legacy holdings
• Asset location across taxable and retirement accounts

By integrating investment management with tax planning, we focus on improving after-tax outcomes — not just pre-tax returns.

Planning-Driven Adjustments

Portfolio changes are driven by real-world events, not market noise.

Adjustments occur when:

• retirement timing changes
• income needs shift
• assets are inherited
• businesses are sold
• tax circumstances evolve

Investments are managed as part of a broader financial plan — not in isolation.

Disciplined Portfolios With Thoughtful Positioning

Our portfolios are built using a layered approach that combines global diversification, disciplined risk management, and ongoing tax-aware execution. Risk levels are set based on client goals and time horizon, while positioning adjustments and tax strategies are applied thoughtfully within that structure to improve long-term, after-tax outcomes.

Read Our Most Recent Investment Commentary Here!

READ HERE

Our Investment Philosophy

Experience, Continuity, and the Next Generation

Our investment approach is shaped by decades of experience and carried forward by the next generation of leadership.

Founded by Bill Canty, our firm has guided clients through multiple market cycles with a disciplined, long-term investment philosophy. Today, that foundation is paired with the active involvement of the next generation, bringing continuity, fresh perspective, and hands-on execution to every client relationship.

As a family-owned, independent fiduciary firm, we combine experience with accountability — applying a consistent investment framework while adapting thoughtfully to changing client needs and market environments.

Portfolio Risk Profiles

Examples of portfolio risk profiles used to align investments with goals, time horizon, and tolerance for volatility.
Each portfolio is managed within a disciplined investment framework and may include thoughtful positioning and tax-aware adjustments, while maintaining its intended risk level.

Aggressive

Long-term growth-focused portfolio

Designed for long-term investors with a high tolerance for volatility and a primary focus on capital appreciation. Short-term fluctuations are expected and accepted in pursuit of higher long-term growth.

Semi-Aggressive

Growth-oriented with moderated volatility

Designed for investors seeking long-term growth with some risk moderation. Portfolio values will fluctuate, and returns may differ from equity markets in any given year.

Moderate

Balanced growth and stability

Designed for investors seeking a balance between growth and risk management. Emphasizes diversification across equities and fixed income to support long-term goals with reduced volatility.

Conservative

Income-focused with limited growth exposure

Designed for investors with shorter time horizons or upcoming income needs. Emphasizes capital preservation and income, with limited equity exposure for modest growth potential.

Preservation

Capital preservation with minimal volatility

Designed for near-term goals or withdrawals. Focuses on stability and income, with limited equity exposure to help offset inflation while prioritizing capital protection.

Bonds and Money Market Only

Capital stability and liquidity

Designed for very short-term horizons or low risk tolerance. Focuses exclusively on fixed income and cash equivalents, with no equity exposure.

Frequently Asked Questions

Are you a fee-only fiduciary advisor?

Yes. Canty Financial Management is an independent, fee-only SEC Registered Investment Advisor and a fiduciary at all times. We do not sell financial products, earn commissions, or receive compensation from third parties. Our advice is structured to remain objective and aligned solely with our clients’ best interests.

How often are portfolios reviewed or adjusted?

Portfolios are monitored on an ongoing basis and reviewed regularly. Rebalancing typically occurs quarterly, with additional adjustments made when client circumstances, portfolio structure, or tax considerations warrant — not in response to short-term market movements.

Do you make tactical or market-timing decisions?

We do not attempt to predict short-term market movements or trade based on headlines.
Within an established risk profile, we may implement modest, time-bound sector or regional positioning adjustments over a 12–18 month horizon when supported by longer-term valuation, economic, or structural factors. These adjustments are size-constrained, diversified, and do not change a client’s overall risk exposure.

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.

What happens when my goals or circumstances change?

When life changes, portfolios adapt.
Investment decisions are revisited when retirement timing shifts, income needs evolve, assets are inherited, businesses are sold, or tax circumstances change. Adjustments are made within the context of a broader financial plan to ensure portfolios remain aligned with long-term objectives.

How do taxes factor into investment decisions?

Taxes are integrated into our investment process, not treated as an afterthought.
We coordinate portfolio management with tax planning through asset location, tax-aware rebalancing, systematic tax-loss harvesting where appropriate, and thoughtful transitions of legacy holdings — with the goal of improving long-term, after-tax outcomes.

How We Invest

Risk-Aligned Portfolio Design

Global Diversification as Risk Management

Tax-Aware Portfolio Management

Planning-Driven Adjustments

Disciplined Portfolios With Thoughtful Positioning

Read Our Most Recent Investment Commentary Here!

Our Investment Philosophy

Experience, Continuity, and the Next Generation

Portfolio Risk Profiles

Examples of portfolio risk profiles used to align investments with goals, time horizon, and tolerance for volatility.
Each portfolio is managed within a disciplined investment framework and may include thoughtful positioning and tax-aware adjustments, while maintaining its intended risk level.

Aggressive

Semi-Aggressive

Moderate

Conservative

Preservation

Bonds and Money Market Only

Frequently Asked Questions

Are you a fee-only fiduciary advisor?

How often are portfolios reviewed or adjusted?

Do you make tactical or market-timing decisions?

Who is the custodian of client investment accounts?

How do I review my account & performance?

What happens when my goals or circumstances change?

How do taxes factor into investment decisions?

Stay Informed

Is a Coordinated Wealth Management Approach Right for You?

How We Invest

Risk-Aligned Portfolio Design

Global Diversification as Risk Management

Tax-Aware Portfolio Management

Planning-Driven Adjustments

Disciplined Portfolios With Thoughtful Positioning

Read Our Most Recent Investment Commentary Here!

Our Investment Philosophy

Experience, Continuity, and the Next Generation

Portfolio Risk Profiles

Examples of portfolio risk profiles used to align investments with goals, time horizon, and tolerance for volatility.Each portfolio is managed within a disciplined investment framework and may include thoughtful positioning and tax-aware adjustments, while maintaining its intended risk level.

Aggressive

Semi-Aggressive

Moderate

Conservative

Preservation

Bonds and Money Market Only

Frequently Asked Questions

Are you a fee-only fiduciary advisor?

How often are portfolios reviewed or adjusted?

Do you make tactical or market-timing decisions?

Who is the custodian of client investment accounts?

How do I review my account & performance?

What happens when my goals or circumstances change?

How do taxes factor into investment decisions?

Stay Informed

Is a Coordinated Wealth Management Approach Right for You?

Examples of portfolio risk profiles used to align investments with goals, time horizon, and tolerance for volatility.
Each portfolio is managed within a disciplined investment framework and may include thoughtful positioning and tax-aware adjustments, while maintaining its intended risk level.