Advisory
Wealth Management
Grow it. Protect it. Transfer it. Integrated wealth advisory that coordinates your investments, taxes, and estate plan with the precision of a CPA.
Financial Planning That Works With Your Tax Reality
Effective wealth management is not just about investment returns — it is about after-tax outcomes. The CPA's perspective on wealth management is fundamentally different from a traditional investment advisor's: we start with your tax situation, your entity structures, your business interests, and your estate plan, and we build a wealth strategy that is coherent with all of them. Investment decisions that ignore tax consequences are incomplete decisions.
C&M LLP provides integrated wealth advisory to high-net-worth individuals and families, coordinating financial planning with the tax and accounting work we do on their behalf. We develop financial plans, advise on tax-efficient investment strategies, coordinate with estate planning attorneys, and help clients think through the major financial decisions of their lives — retirement timing, business exit, real estate transactions, charitable giving, and generational wealth transfer.
Our clients value the fact that we see the whole picture. Because we prepare their returns, we know their income sources, their entity structures, and their planning opportunities. Wealth management advice informed by that knowledge is meaningfully better than advice given in isolation.
What You Receive
Financial Plan
A comprehensive written financial plan covering your current position, goals, timeline, and a specific roadmap for achieving them — including retirement projections, tax strategy, and wealth transfer objectives. Updated regularly as circumstances change.
Investment Strategy Review
An evaluation of your current investment portfolio through a tax-aware lens — identifying inefficiencies, misalignments with your financial plan, and opportunities for tax-loss harvesting, asset location optimization, or rebalancing.
Estate & Transfer Planning Coordination
Coordination with your estate planning attorney to ensure that your financial plan, trust structures, beneficiary designations, and gifting strategies are all consistent and working together toward your stated objectives.
Who Is Wealth Management For?
Our wealth management clients are high-net-worth individuals and families for whom the intersection of taxes, investments, and estate planning is significant enough to warrant integrated advisory. This typically means business owners who have accumulated meaningful assets, executives with concentrated equity positions, individuals approaching retirement or a liquidity event, and families thinking about generational wealth transfer. The common thread is a level of financial complexity where the pieces need to fit together, not just exist side by side.
Typical Clients
- Business owners and entrepreneurs
- Executives with equity compensation
- Individuals approaching retirement or liquidity events
- Families planning for generational wealth transfer