We believe that it is important to integrate a range of services to properly achieve an individual's goals. Although emphasis will change from client to client, the critical elements of every financial plan consists of the following:

We identify and evaluate our clients' life circumstances and risk tolerance; and prepare asset allocated investment plans based upon this knowledge. We then implement the plan with our partner providers by independent investment managers whom have been identified as offering the highest quality investment opportunities and service based on proven performance. We rebalance, reallocate and reevaluate based upon changing market and life circumstances. We continually monitor the ongoing performance of the investment managers to ensure that our clients' objectives are attained.

We draw on the extensive experience and knowledge of our affiliate, J.H. Cohn LLP, to provide sophisticated tax and estate planning services that focus on issues and opportunities discovered during the financial planning process. These planning and estate services are geared towards helping our clients preserve, protect and accumulate their assets. This team approach ensures that investment decisions are made with consideration of the relevant tax and estate planning implications.

With our experienced insurance professionals, we assess our client’s risk management needs and design objective insurance solutions that take advantage of the declining rates within the industry. We constantly monitor the changing rates charged by all top carriers, allowing us to consistently service our clients’ risk management needs with the most comprehensive low-cost solutions.

In addition to investment, tax and estate planning, the financial plans we prepare for our clients include both retirement planning and risk management analysis. We project and evaluate retirement need, and structure plans to achieve those needs. We analyze the effective use of qualified retirement plans and deferred compensation plans in combination with the clients’ portfolio investment plan. We also assist with decisions on rollover and annuity elections and work to select the proper insurance programs to protect our clients’ families and wealth.

CWM’s integrated wealth management services extend to all important areas of our clients’ financial affairs. Knowing that CWM does not receive transaction-based compensation for its investment management recommendations gives our clients peace of mind, trusting that the advice and guidance they receive is objective and designed to best achieve their goals.