The CJM “Family Office Without Walls”

CJM Wealth is an institutional and individual investment and wealth management advisory firm. We distinguish ourselves from traditional wealth management firms in that we offer a total solution to managing the financial and investment side of an affluent individual, family or institution. For example, CJM Wealth provides budgeting, insurance, charitable giving, family owned business wealth transfer and tax services.

Providing the wealth management strategies that we do goes far beyond the capacity of any one professional advisor. It requires a well-coordinated, collaborative effort by a team of professionals from the legal, insurance, investment, estate, business and tax disciplines to provide the scale of planning, advice and resources needed. As your “family office without walls” CJM Wealth combines asset management, cash management, risk management, financial planning, lifestyle management and other services to provide each family with the essential elements for addressing the pivotal issues it faces as it navigates the complex world of wealth management.

High-net-worth families are confronted with several obstacles when trying to maximize their legacy including confiscatory estate taxes, complex estate laws, and complicated family or business issues. A comprehensive wealth transfer plan must take into account all facets of the family’s wealth including the transfer or management of business interests, the disposition of the estate, management of family trusts, philanthropic desires and continuity of family governance.

Family education is an important aspect of CJM Wealth’s services; this includes educating family members on financial matters and instilling the family values to minimize intergenerational conflicts. Our offices work collaboratively with a team of advisors from each of the necessary disciplines to ensure the family’s wealth transfer plan is well-coordinated and optimized for its legacy desires.

Preeminent Investment Management: To maximize growth over the longest time period portfolios require “Tilts” in their funds. CJM requires this for all clients.

Insurance Strategies & Instruments: CJM provides access to many insurance instruments that provide income and growth non-correlated to the markets.

Cash Flow Analysis & Planning: Tilted Index Funds provide greater growth and tax efficiencies allowing for new income and “spend-down” strategies.

Prime Lending & Banking: Secure lines of credit 30 day Libor plus, non-sellable mortgage underwriting, private banking/BNY Mellon.

Tax Advisory & Regulatory Compliance: CJM and it’s expert tax network advise on global tax avoidance issues related to investments, assets and other forms of income.

Trust & Estate Planning: Specialty estate planning legal advice and services provide for optimal real estate and trust planning.

Philanthropic Wealth Management: CJM provides guidance in charitable activities and managing its tax implications.

Multi-Generational Wealth Planning: Ensure the financial security of family members, planning for new family members and their inheritance.

Call Today

Get started on the road to wealth growth and preservation — contact CJM Wealth at 631.777.1030