Our Process

While it is easy to get caught up in the state of the economy or the latest “hot” stock, we believe passionately that the way you invest should be aligned with where you are in your life, not with the short-term ups and downs of markets.

You should have a financial blueprint to help you manage your opportunities, needs, concerns and goals. We call this approach Asset Class Investing and believe it makes good sense as you plan for both today and tomorrow.

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At the core of our process is our intimate personal interest in fully understanding what is most important to you in order to exceed your expectations and earn your trust each day. We provide you with a reassuring sense of financial clarity and security by empowering you to live the best life possible through an inclusive process of co-creation, guidance and accountability.

Our process is simple:

1. Design a plan to meet your life goals

  • Accurately identify your financial situation and most pressing issues.
  • Mutually determine if we are a suitable fit for each other.
  • Create a full, comprehensive picture of your biggest dreams and personal values.

Every CJM Portfolio is Designed to Meet Your Specific Goals.

We like to think of your future objectives in terms of life goals. We believe it’s important to start with the things that will be the most important to you, and then construct an investment plan to help reach your destination. Be sure to consider the ultimate goals that your investment portfolio will have to serve. While it can be easy to look at the overall performance of a given investment, you will gain a better sense of how you are doing if you first set your life and financial goals, then measure the effectiveness of your strategy against those targets.

2. Build your plan using scientific and academic research

  • Build the foundation for a trusting, long-term relationship.
  • Provide a clear, in-depth understanding of your goals to make the appropriate investment recommendations and guide our advanced planning solutions.
  • Create a framework and timeline that aligns with your plan.
  • Collaborate with your other advisors, such as your CPA or attorney, to ensure experts across disciplines are working together to maximize your benefit and achieve your unique financial goals.

Your Financial Plan is Created Using Scientific and Academic Research.

Our independence allows us to fully act in your best interest as a fiduciary, and as an extension of your family. We have formed partnerships with some of the wealth management industry’s leading providers, which helps us offer a unique approach to investing.

We believe that investing is a marathon, not a sprint. It requires strategy, discipline, and patience. No one can consistently pick the best stocks or time the market perfectly over the long term. We apply the “Fama-French” Investment Model to our portfolios through Dimensional Fund Advisors (DFA). Developed by Nobel Prize-winning economists, the model identifies “dimensions” in specific stocks that outperform others 98.7% over any 20-year period since 1927. In plain English, that means developing a portfolio that combines the perfect balance between risk and return over the long term – an approach that ensures lower, transparent fees for our clients.

3. Protect your plan with a disciplined and structured approach

  • Continuously monitor the highly-focused approach to growing and preserving your wealth.
  • Promote discipline and rational decision making.
  • Discuss your ongoing, changing needs and provide benchmarks for tracking progress towards your goals.

CJM Protects Your Plan with a Disciplined and Structured Approach

To be a successful investor you need discipline and structure — and ongoing education — to manage THROUGH markets rather than TO markets. You don’t want to “guess” when it comes to investing to meet your life goals, and too many investors let their emotions derail their best laid plans.

The 3 keys to protecting your portfolio include:

  1. Rebalancing
  2. Removing Your Emotions
  3. Staying the Course

We are dedicated to helping you reach your goals and believe strongly that our approach can make a real difference as we work together to grow and protect your wealth.

Are you ready to experience the Human Side of Wealth?

Contact CJM today for a Complimentary Consultation.

(631) 777-1030
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