Investment Management

As Fiduciary investment advisors, we will suggest and manage a portfolio that fits your current situation. Our emphasis on tax-efficient investing and retirement planning gives us an advantage compared to traditional advisors.
diversification

Diversified

All of our model portfolios are built around diversification. We aim to minimize your risk by diversifying your portfolio across all the major asset classes. All clients have individual investment accounts and are not a part of a commingled pool of assets.

Independent

We are not affiliated with any broker-dealers or fund companies. We provide clients with objective and independent advice. We do not sell financial products or earn commissions. 

Fiduciary

CFM is required to adhere to a strict Fiduciary Standard mandated by the SEC. This means we must recommend investments that align with our client's goals above all else. 

Tax-Efficient

Our investment approach takes into account your tax circumstances, with the goal to maximize your investment return. We primarily use Exchange Traded Funds (ETFs) to construct tax-efficient portfolios. 
Investment Management
  • Investment Analysis & Portfolio Review
  • Portfolio Rebalancing
  • Financial Goal Setting
  • Ongoing Investment Advisor Available For Questions
  • Income Tax Preparation & Planning

Our Investment Philosophy

Investing is the sole way to preserve your wealth. Our goal is to help you preserve the assets you've spent your life building. By working with a fee-only fiduciary investment advisor you are getting objective financial advice from an advisor who puts the client's best interest ahead of their own. 

Our goal is to help you manage risk and build a diversified portfolio of asset classes which will help you grow your wealth and outpace inflation over time. All of our portfolios aim for broad diversification across asset classes and we overweight the sectors and regions which we believe will outperform in the next 12 to 18 months. By not accepting commissions we align our goals with those of our clients. 

Our Investment Strategies

Below are some examples of CFM Investment Portfolios Available to Our Clients. 
Ask us about our environmental, social, and corporate governance (ESG) portfolios

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.   
cfm aggressive model

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?

TD Ameritrade Institutional is the custodian of client investment accounts. CFM is independent and unaffiliated with TD Ameritrade. TD Ameritrade is an SEC-registered broker-dealer and FINRA 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 TD Ameritrade. Clients are also able to access their accounts online through TD Ameritrade'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.

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Canty Financial Management
20 Church Avenue 
Ballston Spa, NY, 12020
518-885-3230

5129 Castello Drive Suite #1
Naples, FL, 34103
239-435-0090
Michael Canty Memorial Fund
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