Does CFS have a minimum portfolio size requirement for its clients?

We do impose a low $100k minimum, which is much lower then most advisory firms. This allow us complete flexibility in offering our services to a broader spectrum of the market, that normally is under served.

What criteria does CFS use to create new relationships with clients?

We are proud to work with people from all income levels, and all walks of life. We believe that the people who will want to work with us, also feel that the relationship that is being created, is just as important as the planning that will be done.

How is CFS compensated?

We are an independent firm, providing fee-based financial services. This allows us to provide very unbiased financial advice, since commissions and sales charges are avoided. We charge a low fee based on a percentage of assets under management. This fee covers all of our services including the comprehensive financial plan ($1500 value).

What do your services cost?

Our advisory services are based on the investment assets we are actively managing for you, and range from .50 to 1.25% yearly depending on the size of your overall investment portfolio.

Is their a cost involved to update our plan later on, as our circumstances change?

No, that is included in the fee we charge for our investment management services.

Are your fees tax deductible?

Yes. The IRS permits an itemized deduction for tax and/or investment advice, subject to a 2% floor of the adjusted gross income on your tax return. This ruling allows our clients to deduct our investment management fee from their taxes.

 Once my financial plan is completed, will our relationship end?

No. We encourage a long-term relationship with the clients we work with, to ensure you stay on track with what you originally set out to accomplish. Not only are we one of the very few firms that will implement the plan for you, but we will also get together and review your plan as often as necessary, to keep it up to date.

What areas do you normally provide advice on?

We provide advice and guidance on all areas of your financial life. We encourage our clients to contact us when they have a major life event such as a new job, addition to the family, a marriage, or divorce, buying a new home etc. We also encourage our clients to contact us with the everyday type questions as well, such as "how should I invest my 401k", "how can I reduce my taxes", "should I refinance my home", or "what should I do with my stock options at work". We also have an outside team of professionals we work very closely with, if additional expertise is required.

How often do you recommend we meet to update and review things?

We recommend up dating your financial plan usually once a year, or when ever you have had a significant change to your financial situation. We can certainly get together as often as you would like, and their is no additional cost in doing so.

Will you also help me plan my employers benefits, including 401k allocations?

Yes. Most of our clients work for a company that provides numerous employee benefits, including a retirement plan. We will evaluate all of your benefits, and make recommendations to help you take advantage of what ever is provided. This will also include detailed analysis of your retirement plan investment options. 

How do I get started?

You can CLICK HERE to make an appointment. We do offer a free initial consultation with no obligation, to meet and see how we can help you. Our office hours are flexible, if necessary.