Financial Planning | Advisory | Consulting | Investment Policy | Our Fees

Description of Financial Planning Services

CCAM also provides advice in the form of a financial plan. Clients utilizing this service will receive a written report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. In general, the financial plan will address one or more of the following areas of concern:

Personal: Family records, budgeting, personal liability, estate information and financial goals.

Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future years. We will illustrate the impact of various investments on your current income tax and future tax liability.

Death & Disability: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis.

Education of Children: Evaluation of assets needed to provide post secondary education.

Retirement: Analysis of current strategies and investment plans to help the client achieve his or her goals.

Estate Planning: Analysis of current situation and strategies to help the client achieve his or her goals.

Investments: Analysis of investment alternatives and their effect on a client's portfolio.

CCAM gathers required information through in-depth personal interviews. Information gathered includes a client's current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed and a written report is prepared. Should a client choose to implement the recommendations contained in the plan, CCAM suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's discretion.