UNIQUE STRATEGIES FOR
UNIQUE INDIVIDUALS
We are here to help you through all the chapters in your life. As your needs change, we will renovate your plan—from the ground up, if necessary. Financial planning isn’t just about saving and investing. It is also about spending. It is about having money when you need it, so you can do what you want, when you want, for as long as you want. It is the difference between having choices and being the victim of circumstances.
WHAT WE DO
At CWC, we provide both fee-based investment advice and commission-based financial product purchases for a variety of long-term goals. One does not have to buy a product to engage our services. The initial one-hour consultation is free for those considering an engagement. Advice-only sessions are available for a fee. Fees are based on the scope of the engagement and will be fully disclosed and agreed upon prior to entering into the engagement.
Before you plant a garden, you have to know how much sun the plot will have, how water flows over it, and if the soil can support the plants you want. Your financial plan deserves the same care.
Never put your money into an investment unless you know how you are going to get it out.
“If you can walk and chew gum at the same time, then you can plan for your retirement while also paying off debt. Time is irreplaceable, so let’s not waste it.” – Martha Catt in response to financial gurus who focus almost exclusively on paying down debt.
To support your values, we need to know your values.
If you already have a Will or Trust, we can assure that it still reflects your stated goals. We can also assure that the registration and beneficiary designations on your investments correspond with the instructions in the Will or Trust. Depending on your final wishes, we may be able to recommend investments that support your wishes more effectively than others.
Generally, there are only two ways to handle risk: avoid risk when you can; or use insurance when you can’t, particularly if the peril would be catastrophic to your family.
Children learn their spending and savings habits from their parents’ example. Learning about investments and the types of pre- and post-tax accounts can bewilder even seasoned investors, because the choices and rules are always changing.
WHO WE HELP
Whether you are a governmental employee trying to figure out which rules apply to your benefits, someone working for a private employer without a user-friendly benefits function, or a socially conscious person looking for investments to match your values, we can help.
We are licensed to work on a fee-for-service, hourly, or commission basis. Talk truly is cheap, because the initial one-hour consultation is free.
