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Chartwell Financial Management (CFM) provides low cost and goal focused financial solutions based upon a clients concerns and priorities. We provide as little or as much as the client requests, from an as-needed consultation to a comprehensive strategy taking clients through forming financial goals and identifying issues, customizing and implementing a comprehensive solution, assembling a team of financial and legal experts, and monitoring the results to stay current with personal and market changes.
CFM welcomes clients from all walks of life and we have proven strategies for the largest portfolios to the smallest. The quality and excellence of our work is not measured by the size of your portfolio and we have no account size or long-term contract requirements. We are available for financial check-ups and second opinions.
We provide three primary services:
Our hourly, as needed services are a perfect match for self-directed investors who may simply need a second opinion regarding the state of their financial affairs, young couples and individuals just starting out to build their financial futures and/or middle-income Americans who may have been turned away from traditional wealth management and financial planning firms because they do not meet the account and net worth minimums imposed. In addition, because we work soley on a Fee-Only basis, there are no third-party agendas to bias our thinking. We maintain one focus, one mission:
Empowering our clients with the information and advice they need to make sound financial decisions.
Our services are available in person or by phone. We are available to our clients for quick questions and longer projects. Whatever is needed!
Asset allocations are designed for your specific financial circumstances. CFM will help you design an asset allocation (specific amounts of cash, stocks, and mutual funds) that is optimized for your specific circumstances (financial goals, investment horizon, and volatility preferences). We draft a written Investment Policy Statement specifying your asset allocation.
Your managed accounts are monitored and rebalanced regularly according to the Investment Policy Statement approved by you. Regular balancing is important for maximizing returns and obtaining the volatility goals we established.
While investments are certainly an important area, together we can review other areas of interest to you. Examples are retirement planning (our particular area of expertise), mortgage financing, funding IRAs, Roth IRAs, IRA distributions, and college savings programs. We use outside professionals to prepare specific documents such as wills and trusts. CFM maintains a list of professionals for your reference.
Financial consulting is available to both hourly clients and managed account clients.
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