This step is crucial. Because we must understand your personality, your plans, your goals, your risk tolerance and your fears before we can start putting your puzzle together. The thing is, at CMC Financial, we believe that financial advising is first and foremost a people business, not a money business. So we take the time to get to know each and every one of our customers and their families well.
We bring all the pieces together.
Our Services
We believe putting the pieces of your financial puzzle
together shouldn’t be a hassle or a tedious undertaking.
In fact, we believe it should be a streamlined, simple and even enjoyable experience. This is why we’ve made a concerted effort to bring all the services you need to create and execute a comprehensive plan under one roof. We want to be your one-stop shop for all your financial planning needs. So, that’s what we are.
Cash Flow
A sound financial plan is the foundation upon which a comfortable, confident future is built. We’ll work closely with you to understand what you want out of life and give you a step-by-step plan for achieving your goals.
Investment Planning
We’ll build you a customized portfolio based on the requirements and objectives outlined in your personal financial plan. We’ll also leverage RFG’s innovative portfolio stress testing and risk assessment tools to ensure you stay on track to achieve your goals. And we’ll meet regularly to review your progress and make any necessary adjustments.
Trust and Estate Services
We can assist you with a trust company or trustee selection and also coordinate communication with attorneys and CPAs as you plan for multigenerational wealth transfer.
Tax Planning
We specialize in tax optimization and management by advising on taxes incurred when clients buy and sell assets. We can also provide tax guidance on IRAs, education savings plans and advise on the timing of social security benefits.
Insurance Strategies
Insurance is a critical part of any holistic financial plan, yet many people have trouble understanding the complexities of insurance. We’ll explore your personal risk management needs, create an insurance strategy to address them and help you find the most appropriate and affordable coverage for your needs.
Education Funding
We can help you create tax-advantaged education funding plans for your children, grandchildren or any youngsters you want to assist with their educational goals.
Giving Strategies
We can create a personalized plan for supporting the causes you care deeply about, both today and for many years to come.
Business Retirement and Succession Planning
We can assist with business succession planning, advise on mergers and acquisition opportunities and also advise on family business dynamics and sale of family businesses.
Fetch Life Financial Hub
You’ll have real-time access to your net worth, goals and financial plan via Fetch Financial Life Hub, our customized and interactive mobile-friendly client portal that aggregates all your information including assets not managed by your advisor and also serves as a vault for the organization of important documents.
Retirement Planning
Preparing for a comfortable retirement is perhaps one of the most important pieces of your financial puzzle, and we’ll make saving — and maximizing retirement savings — a priority from the beginning.
Long-Term Care Planning
Planning for the future requires more than just the accumulation of retirement savings. Protecting those savings — as well as your physical and mental well-being — for the long term is an equally critical part of comprehensive planning.
StrongHer Money
In conjunction with RFG, we offer specialized educational and financial planning services to help women plan big and live financially fearless.
Our Process
So what does moving forward look like? How do we
work together to put your financial puzzle together?
1Getting to know you.
2Gathering the puzzle pieces.
Once we’ve established a good working relationship, we’ll start the information-gathering phase. We’ll need documents, account information and other details about your current financial situation so we can start putting the puzzle together. We’ll work closely with you to gather this information and assist you every step of the way.
3Piecing your puzzle together.
Once we’ve gathered the information, we’ll analyze the information with your short- and long-term goals in mind and create a plan for helping you achieve them. This will be a detailed plan with clearly defined steps and actions needed to start putting together your personal financial puzzle.
4Getting down to work.
Once we’ve reviewed the plan, we’ll get your sign off and we’ll get down to work. We’ll set up accounts, make investments, transfer funds and essentially put your plan into action. Rest assured, however, this is just the beginning of our puzzle-building collaboration. We’ll be in regular contact with you to assess your progress and make any adjustments to your plan based on situational or economic changes.