Investment Management:

Asset allocations are designed for your specific financial circumstances. CFM will help you design an asset allocation identifying amounts of cash, stocks, Exchange-Traded-Funds and mutual funds that is optimized for your specific circumstances (financial goals, investment horizon, and volatility preferences).

Your managed accounts are monitored and rebalanced regularly. Regular balancing is important for maximizing returns and obtaining the volatility goals we established.

• Management Fees:

Since our management fees are based upon the value of a portfolio, our goal is the same as the client’s – long-term portfolio growth. We are not compensated based upon the activity in your account (we don’t receive any commissions), so we do not trade frequently in your portfolio.

Each client has an account with Charles Schwab & Co. We have limited trading authority on the account so that we can effect transactions in the account on a discretionary basis.

In general, account minimums start at $20,000.00 and our fee is calculated on a quarterly basis based upon the following schedule:

Account ValueQuarterly Fee
First $1 Million.25%
Over $1 Million.20%

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