Investment Advisory

“Someone is sitting in the shade today because someone planted a tree a long time ago"
Warren Buffett

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.

Independent

We are not affiliated with any broker dealers or fund companies. We provide clients with independent advice, keeping our goals in line with our clients' needs.

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 a goal to maximize your investment return, while at the same time minimizing your tax liability. We feel tax efficient investing should be a priority for our clients.

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. We aim for broad diversification across asset classes and overweight 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.

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)

SUMMARY OF RIA SERVICE - why choose CFM?SEC ADV Part 2 - Investment Advisor Brochure CLIENT SIGNATURE FORM - Model Portfolio Choice

What's a Fee - Only Fiduciary Advisor?What's your risk number?