Financial Planning
A financial plan is not a one-time event for CBM but an ongoing commitment to work with individuals and families to evaluate goals, monitor changes in your situation and, as needed, make the right adjustments to ensure you remain on track.
CBM’s certified professionals are long-time members of the Certified Financial Planning Board, equipping us with access to current knowledge and the expertise to help clients make good financial decisions.
As a team of Certified Financial Planners (CFP®) and Chartered Financial Analysts (CFA), we specialize in holistic retirement and life planning. Our comprehensive planning process focuses not only on the financial aspects of your life but also your individual preferences and personal circumstances. What makes us different is our ability to listen and create a truly customized plan based on where you are in life. We go beyond the numbers and statistics generated by most modern retirement planning software packages. We make sure this is YOUR plan.
Our financial planning process begins by listening to each client discuss their particular goals and objectives. We customize our subsequent planning approach to help you with the following services listed below.
Click here to read CBM’s customer relationship summary (last updated April 12, 2021).
CBM’s Financial Planning Services
- Assessment of Asset Diversification
- Buy/Sell Agreements and Management Succession Plans
- Cash Flow Management and Budgets
- College Education Planning incl. 529 Plans
- Divorce and Mediation Financial Advice
- Establishment/Monitoring of Investment Plans
- Estate and Trust Planning
- Fringe Benefits Review
- Inheritance Investments
- Organization of Records
- Pension Plan Analysis
- Retirement Planning
- Review of Wills
- Risk Management Assessment and Insurance
- Small Business Planning and Valuations
- Specific Investment Recommendations
- Tax Planning and Preparation
- Traditional IRA and Roth IRA Advice
Financial Planning and Longer-Term Wealth Management Expertise
While CBM’s financial planning clients typically engage the firm over a shorter period of time (sometimes even a single session) to provide guidance, some clients may prefer longer-term wealth management expertise that delivers a comprehensive approaching including financial planning, tax planning and investment advisory expertise. CBM’s affiliated entity, MBI, LLC, is an independent, fee-only wealth management advisory firm. MBI professionals are registered as investment advisors with the Securities & Exchange Commission.
Our professionals believe the fee-only method of compensation is the most transparent and objective method for clients. The model ensures that your financial planner acts as a fiduciary. Fee-only planners are compensated directly by their clients for advice, plan implementation and for the ongoing management of assets. All members of the National Association of Personal Financial Advisors are required to work only within the fee-only structure.
Presentation: Grow Your Net Worth for Early-Career Stage Professionals
Presentation: Grow Your Net Worth for Mid-Career Stage Professionals
Presentation: Retirement and Life Care Planning: Helping You Build a Path to a Peaceful Future