Our Services

Financial Planning: Tailored plans to help you balance competing priorities
Collection of Client Data

First, we send a questionnaire to the possible client. This document asks for detailed information regarding finances and investment preferences.

Projections, Solutions and Recommendations

Once the signed contract has been returned to our office, the CJM Wealth Advisers, Ltd. team then analyzes the client data and develops projections, solutions and recommendations.

Planning Meetings

When the entire plan has been finalized and assembled, a planning meeting, or several meetings, is scheduled to review the data analysis and recommendations.

Implementation.

The recommendations that are part of the original plan are implemented using the on-going investment advisory services of the firm.

Ongoing Monitoring and Service

Even the best plan is without benefit if it is not reviewed to make sure that all the pieces to the puzzle are working in sync. Both periodic investment performance reporting and planning reviews are offered to help ensure the client is meeting objectives.

These are commonly asked questions we receive from people who choose to work with us:

  • How do I identify family needs and goals?
  • Can I afford to take care of an aging parent?
  • How much do I spend and save each year?
  • What is my current net worth?
  • Have I named the proper beneficiaries on my insurance and retirement accounts?
  • Does long term care make sense for me?
  • Is my estate plan up to date?
  • What else should I do to save on taxes?

If you have similar or additional questions, we would love to speak to you!

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Investment Management: Customized asset allocation strategies tested across multiple market cycles

These are commonly asked questions we receive from people who choose to work with us:

  • Am I taking appropriate risk to achieve my financial goals?
  • Are my investment management expenses too high and eroding my performance?
  • How much risk am I taking with my concentrated employer stock?
  • What investments do I own?
  • How are my investments performing?

If you have similar or additional questions, we would love to speak to you!

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Transition Planning: Quantitative and qualitative aspects of a new life phase

These are commonly asked questions we receive from people who choose to work with us:

  • What will I do with my time?
  • What are my options for Social Security?
  • How much can I spend in retirement?
  • What is a Required Minimum Distribution (RMD)?
  • How do I plan for increased life longevity?

If you have similar or additional questions, we would love to speak to you!

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Sophisticated solutions. Real relationships.

At CJM, we understand that no two clients’ situations or aspirations are the same. That’s why we bring together experts from across the financial services spectrum to provide the most comprehensive and active management of your wealth.

Case Studies

THE SITUATION

Susan, after being forced out of her executive position due to her company’s restructuring, needed to quickly make decisions about the severance package offered her.

THE SOLUTION

CJM created income scenarios to help Susan understand the longevity and tax implications of her severance package and healthcare benefits. Because of our in-house expertise in insurance, investments, and taxation, CJM was also able to tailor a plan to manage and divest Susan’s 401(k) and stock holdings over a period of time, reducing her exposure to her former company, and managing her income tax obligations in the medium term.

VALUE TO THE CLIENT

CJM’s analysis provided Susan critical information on how best to manage her transitional financial situation, inclusive of tax implications, within a compressed timeframe.

THE SITUATION

Tom’s company gave him the choice of relocating to the West Coast or taking early retirement. Reluctant to move but unsure if early retirement was financially feasible, Tom and his wife called CJM.

THE SOLUTION

CJM took into account not only the couple’s financial information but their personal hesitation about making yet another move for Tom’s career. Tom’s ESOP contributions—which had done extremely well over the past few years—in addition to healthy 401(k) growth and compounding shares of company stock via matching contributions, allowed CJM to develop an early retirement income plan that retained the couple’s current lifestyle. CJM also determined that Tom could better manage company stock within his 401(k) by taking it as a distribution upon retirement.

VALUE TO THE CLIENT

CJM’s retirement planning expertise, due diligence, and financial planning analysis—in conjunction with actively listening to the client’s preferences—helped the couple to clearly realize financial independence earlier than anticipated and in the location that they desired.

THE SITUATION

When Patricia’s husband unexpectedly passed away, she was thrust into the role of financial decision maker, a task for which she was wholly unprepared. Although her husband had been very successful, Patricia didn’t want to make missteps that could put her and her children’s financial future in jeopardy.

THE SOLUTION

CJM helped create an action plan outlining the items that required her immediate attention and those that were less time-sensitive. Our team of professionals advised Patricia on ways to maximize her Social Security survivor benefits, laid out options for her husband’s pension and retirement plans, and implemented a new asset allocation that would provide her with income from life insurance policies and investments. We also connected Patricia with a counselor to help her cope with her extraordinary loss and new reality.

VALUE TO THE CLIENT

CJM guided Patricia through this difficult time, helping her make sound financial decisions and providing confidence that she would be able to maintain her lifestyle and still provide the financial legacy she and her late husband envisioned for their children.

THE SITUATION

Ann, ready to retire from her successful government career, was concerned that she would not be able to replicate her income in retirement.

THE SOLUTION

CJM’s first step was to create a balance sheet that included a comprehensive list of Ann’s assets and liabilities. Compiling pension projections, Social Security benefits, and the sale of rental property, we determined how much income Ann could generate from her investment portfolio, and then created a customized plan that would provide the portfolio cash distributions to meet her income needs.

VALUE TO THE CLIENT

CJM’s analysis supplied Ann with the comprehensive and critical information necessary for her to comfortably move on to her next phase of life.

THE SITUATION

Rick and Stella needed a second opinion on their investment portfolio, which they suspected was primarily comprised of high-fee, proprietary mutual funds sold by their current investment manager.

THE SOLUTION

CJM’s team of advisors found that Rick and Stella’s suspicions were correct. Not only was their portfolio full of costly proprietary funds, but their portfolio was not managed with their income tax situation in mind. CJM provided much-needed third-party due diligence on their portfolio and asset allocation. We helped Rick and Stella reallocate to include low-cost, no-load, non-proprietary mutual and exchange-traded funds, and repositioned accounts to be more tax advantageous.

VALUE TO THE CLIENT

Leveraging CJM’s decades of experience, Rick and Stella were able to reduce their income tax burden without reducing portfolio-generated income. Our quarterly statements also provided the couple with consistent and trackable performance and fees.

CJM custodies client monies at Pershing LLC, a BNY Mellon company and leading global provider of financial business solutions to more than 1,500 institutional and retail financial organizations and independent registered investment advisors, collectively representing over five million active investors.

BNY Mellon is a global financial services company focused on helping clients manage and service their financial assets, operating in 36 countries and serving more than 100 markets. BNY Mellon is the oldest private bank in the United States with roots dating back to 1784 and is a leading provider of financial services for institutions, corporations, and high net-worth individuals. BNY Mellon has $25.0 trillion in assets under custody and administration.

THE SITUATION

Ken and Laura were unable to find a home in the area they wanted. They decided to buy a smaller home in their desired location, raze it, and build a new home, but worried about how to manage the mortgage process.

THE SOLUTION

CJM’s team immediately recognized that instead of spending countless hours with mortgage brokers to secure lending, Ken and Laura could customize a tailored approach by structuring an investment credit line against their personal portfolio. This would supply the needed construction funds without having to sell holdings and incur long-term capital gains taxes in the process.

VALUE TO THE CLIENT

CJM understood Ken and Laura’s irregular cash flow requirements without compromising long-term wealth strategies, and helped transform what could have been a costly, time-consuming process into a manageable and financially sound solution.