Your responsibility to yourself & to your organization is to manage liquidity, cash flow needs & asset growth.
"The investor's chief problem - and even his worst enemy - is likely to be himself."
~ Benjamin Graham
CTMA Wealth Management builds specific portfolios to meet your objectives. Our transparent solutions help you to understand the asset management strategies designed for you, assisting you in budgeting and planning the future.
Custom Investment Portfolios
As a fiduciary and an SEC Registered Investment Advisor, our investment recommendations are always in your best interest. We owe you a duty of good faith and loyalty. We manage individual and corporate assets. We create and maintain a portfolio to meet your objectives, taking into account a combination of your time horizon, risk tolerance, liquidity needs, return expectations and income needs.
Learn more about our 100 years of combined experience serving successful individuals.
Learn more about our 100 years of combined experience serving successful individuals.
Investment Policy Statement (IPS)
Whether you need assistance developing an asset and liability funding model, a liability expectation model or a complete asset strategy for your wealth or retirement, CTMA will create an individualized comprehensive program for you. This level of transparency ensures clients, especially those governed by a Board of Directors and who also may have a fiduciary obligation, full disclosure and confidence their assets and objectives will be managed to their expectations.
Individual Accounts
Often clients will have multiple accounts (i.e. IRAs, Trust Accounts, 529s, individual investment accounts, annuities) and they want a plan that maximizes the result but one they can understand. We develop, implement and maintain Smart Simple Solutions to put all of the pieces together. CTMA builds plans you can understand and be confident in. We use the best options available and provide full disclosure giving you an efficient and transparent, complete plan.
Corporate Accounts
CTMA Wealth Management prepares detailed IPS for prefunding of future liabilities or general asset management plans. This document details investment types, return expectations, risk parameters and any special circumstances that could affect the client’s financial objectives. We take an active approach to produce returns while managing market volatility, and take the time to review results with our clients and the governing board of directors.
COLI/BOLI Funding Options
This type of policy can be integrated into an overall investment strategy for asset and or balance sheet management. When the employer is a financial institution, the policy is called bank-owned life insurance (BOLI). It is used to hedge against the financial cost of losing executives to unexpected death, including the risk of recruiting and training replacements or the cost of funding corporate obligations to redeem stock upon the death of an owner.
