A legacy of building yours
You deserve a partner that maintains privacy, opens exclusive doors, and promotes unity among relatives and service providers. The following vignettes reflect what we view as common CM Wealth client journeys.
CEO of Large Multi-National Company Receives Unexpected Services
You prepare to sell a long-held business. While the liquidity event brings exciting potential, it also brings nervousness, because it impacts your family’s lifestyle. You turn to CM Wealth, originally asking for investment management services but ultimately receiving counsel in topics well beyond.
CM Wealth shows you how to minimize tax consequences, analyze payout structures, manage real estate holdings, design a family foundation, arrange family concierge services, and—most importantly—conduct financial planning for your family. You had worried about the income stream and tax planning related to your retirement plan, but now you have clarity after receiving a detailed analysis that walks through tax consequences for each structure.
Your family members have shown interest in philanthropy, so you utilize CM Wealth to make this possible. CM Wealth takes ongoing responsibility to distribute donations, manage books, and prepare returns—freeing you and your family members to focus on the vision and relationships of your philanthropic goals.
Widow Receives Care and Complexity Navigation
You grieve the loss of a spouse who handled money matters in your household, and you experience emotional distress as well as financial chaos. Longtime family friends tell you about guidance they received from CM Wealth and make an introduction. CM Wealth then holds your hand through a difficult transition, hearing your concerns and worries, reviewing your documents as well as assets and liabilities, and discussing next steps to be taken.
Even if your family’s estate was well planned so that a probate court could be avoided, the transfer of assets is inherently complicated. In the event of a probate estate, CM Wealth walks you through it and, upon finalization of the estate, provides advice and support to you and your family. If your family’s assets are already governed by a trust, CM Wealth advises you on all aspects of trust administration.
You need and deserve a financial plan that reduces stress and lets you find more time for the things you enjoy. CM Wealth presents you with several bill-paying options and helps implement your plan of choice, which can include a cash flow plan to meet your lifestyle, as well as planning for transfer and management of your assets when you become unable to do so.
Coordination and Simplification for a Family with Significant Wealth
You feel frustrated that your family’s many investments are so scattered, so you turn to CM Wealth, asking to unify your advisors and their services. CM Wealth reviews your goals, assesses your prior investment services, and develops an investment strategy—complete with allocation methodology and comprehensive risk management—that orients these previously unlinked providers. CM Wealth gathers your advisors to implement the new shared strategy focused on your desires.
Your family’s estate planning documents are complex, and you find it concerning, so you have CM Wealth review documents, collaborate with your legal team, explain strategies for estate and generation-skipping taxes, and craft an easy step-by-step for you to follow in the event of a passing.
As years go on, you continue to get consolidated financial reports from CM Wealth. The team builds relationships with your relatives, meeting them regularly to educate about inherited wealth and show financial savvy, readying them to someday govern the family’s shared legacy.