Life Events
financial advice for every stage in life
Generation after generation, we wrestle with the same worries: Will I be able to afford to send my children to college? Will we outlive our money? In the meantime, your other important priorities include taking care of your family, building your career, enjoying your retirement, supporting your community or pursuing personal interests.
No matter where you are in your life cycle, you may benefit from an investment relationship that’s on your level so you can focus on what really matters in your life.
Our expertise and services range from managing your investment portfolio to providing comprehensive wealth management and family office services. Find out how we can help you and your family during every event in your life:
Pre Retirement
Approaching retirement often mean regular paychecks will soon disappear. Time is limited for accumulating savings and investment losses could derail your retirement plans. CWM can help you preserve capital, choose retirement income options and plan your estate.
Retired
As wealth management professionals, we understand the critical nature of protecting your wealth and leaving a meaningful legacy. We help clients generate sufficient retirement income and fulfill your gifting intents.
Working Years
Professionals
Peak earning years are critical for building savings that will last through retirement. We offer professional guidance and investment services to help keep you on track to reach your wealth accumulation goals
Entrepreneurs
Most business owners understand the necessity of insurance for protecting their biggest assets. The second greatest need is an investment diversification strategy to ensure living expenses will be available, regardless of personal health or business success.
Family Stress & Crisis
Loss of Loved One
When you are coping with the death of a family member or friend, the responsibility dealing with insurance companies, banks, investment firms, etc is overwhelming. CWM is here to help you pull it all together in an efficient and effective manner.
Divorce
We often find that one spouse has taken the primary role of managing family finances. In managing divorce settlements, we are very patient and provide client educational services for managing personal finances and basics investment principals
Career Transition/Unemployment
The most common request we receive is to help transfer retirement plan balances from the control of a previous employer. Often an individual has several old plans without a cohesive investment strategy. Please ask about our rollover-consolidation account services to learn how to successfully do so without any penalties.
Squeeze Generation
You are trying to save for your own retirement, while financially assisting your children and caring for aging parents. We offer tools guidance and services designed to help simplify your life and make these conflicting demands more manageable
Sudden Money
Inheritance
The complexities of managing new-found wealth can be daunting, to say the least. Often there is a sentimental attachment to assets. We can help you with objective, unbiased advice in making well informed decisions for managing your wealth.
Significant Asset Liquidation
Perhaps you decided to cash in on the sale of a business, or real estate holding and now face the dilemma of how best to manage the proceeds. We will work with your tax and legal council to develop and implement a plan tailored for your you.
Insurance Proceeds
The receipt of a significant settlement check often creates anxiety and stress. Sales people complicate matters by proposing confusing investment programs. As fiduciaries for our clients, we offer unbiased, objective guidance.
Executive Compensation
We work in concert with LPL Financial specialists, in complicated wealth management issues such as restricted or concentrated stock and options. We can assist with sophisticated hedging and exchange strategies and vehicles.
Established Wealth
Perhaps over the years you have worked with stock brokers or agents and now need a personal wealth manager to help you consolidate accounts and provide professional fee-based advisory services – CWM may be your perfect solution.
