ASSET MANAGEMENT

Investment management is CSFC’s primary focus. Investments can be very confusing. CSFC will help you understand and organize your investments so you can make decisions with a higher degree of comfort.

I get to know you on a personal basis to fully understand your financial objectives and risk tolerance. Then, CSFC structures an investment strategy and investment portfolio to meet your financial goals. I believe that success can be measured by your peace of mind, regardless of the financial markets' gyrations. CSFC believes in developing client specific investment strategies that emphasize a diversified asset allocation. The primary focus of CSFC’s investment portfolios is capital preservation.

CSFC strives to understand your investment objectives, risk tolerance, and your investment time horizon. Portfolios are diversified across different asset classes (stocks, bonds, real estate and cash) in order to minimize risk. Portfolios are designed to allow you to sleep comfortably knowing that CSFC has your agreed upon loss threshold in mind and that CSFC will work exceptionally hard not to exceed that. I call this the ‘sleepability factor.’

CSFC clients have been successful because of an emphasis on capital preservation through investment diversification and risk control.

CSFC has a proven track record of growing client’s assets in strong financial markets and protecting their wealth in downturns.

Learn more about how CSFC manages money here.

  FINANCIAL PLANNING

CSFC believes in the financial planning process.   A financial plan morphs and changes the same way you do, so communication and collaboration are imperative to your success. In its simplest form, financial planning is the process of identifying goals, gathering and reviewing financial data, designing and implementing a plan to help you achieve and maintain your ideal life. Once the plan is in place, it must be monitored, reviewed and updated to meet the ever-changing dynamic of your life. Not everyone needs a written comprehensive financial plan, however, CSFC believes that everyone can benefit from the financial-planning process.

Conversations will include your:

• Retirement Timeline
• SWOT: The strengths, weaknesses, opportunities and threats to your financial condition
• Specific goals, like selling your business
• Cash flow
• Investments
• Tax concerns
• Liabilities
• Liquidity needs and insurance
• Estate Planning
• Charitable planning 

Together, we'll discover if you can weather a financial storm and help build a financial lifeboat. As financial and investment planners, my role is to assist you in determining if your resources are sufficient to meet your needs. I work with a team of experts, or with your own, to maximize their talents and expertise. This process will last not only your lifetime, but the lifetimes of your family and future generations.

Learn more about CSFC's Strategic Alliances.

  RISK MANAGEMENT

I know how insurance works and how to make the right financial decision on using insurance products for risk management.

I will educate you about how life and disability insurance products work and how to protect yourself and your family. Unfortunately, most people buy life or disability insurance and don’t know if they’ve made a good economic decision. As a result, they often pay too much and really don’t know what they have!

Because I take an analytical approach towards the insurance industry, you’ll understand the real economics and financial structure of these products before you purchase them.

I may earn commissions from the sale of insurance products. As a fully-disclosed financial advisory firm, I openly explain all costs, fees and commissions of any insurance products prior to any transactions. If appropriate, I will help you select and or purchase insurance products either through my firm or through someone else.

Learn more about CSFC's Strategic Alliances.