To reach any goal in life, it is essential to have a strategy. This is especially true when the goal involves the complex task of planning for a secure financial future. Most people do not plan to fail, they simply fail to plan accordingly. CGFA uses time-tested principles to develop a well-managed investment portfolio that strives to meet your financial goals. Through our services, we help define a path and offer guidance on how to stay the course, making adjustments for all the bumps and turns on the journey along the way.

As a fiduciary, we will act in the best interest of our clients in a way that is above all, always ethical and legal.  We are committed to providing the best possible array of investment solutions, services, and ideas focused on our primary goal: building and preserving our clients' wealth.

  • Investment Planning Analysis

    Everyone has financial goals, whether they include retirement, education for children or grandchildren, or simply the accumulation of wealth. We start by listening. CGFA will develop an investment plan to help you meet your individual financial objectives – a plan that is based on your own personal time frame, long-term goals, risk tolerance, and financial situation.

    In helping you design your specific investment strategy, we will take a comprehensive approach, one that considers your overall financial circumstances, including specific tax issues. Open dialogue and annual portfolio reviews ensure that we stay abreast of changes in your personal and financial circumstances so that we can tailor your portfolio to meet your current needs.

    We empahasize broad diversification and control risk by designing a professionally managed portfolio with diversification beween and within asset classes. After tax results are closely examined so that the investment portfolio is optimatimally tax-efficient.

  • Retirement Planning Analysis

    It is never too early to start saving toward retirement. In fact, when it comes to long term planning, for every five years you wait, it can double the amount of dollars you will need to save each month to achieve your retirement goals.

    The unfortunate fact is that many of us think of saving for retirement only when we are approaching retirement. The earlier you begin to implement a well defined strategy, the greater ability you create to achieve your goals. Whether you are currently in your prime earning years or nearing retirement, a well-planned program can help you make the most of your assets. Our Retirement Planning Analysis service will provide you with a detailed analysis including projections, forecasting how much money you will need to live comfortably in retirement, and a path to reach those goals. Or, if you are already retired, what can and should you do to maintain your standard of living.

    Here are some of the questions we can answer for you:

    • Am I taking full advantage of other saving opportunities?
    • When can I afford to retire?
    • How should I take distributions from my retirement plan?
    • How long will my money last?
    • Should I adjust my level of retirement spending?
    • Am I doing what is necessary to meet my retirement goals?
  • Estate Planning Analysis

    We spend our lives creating and building as much wealth as possible so that one day we can enjoy the fruits of our labor and pass our legacy onto our loved ones. However, many people face the possibility of losing a significant portion of their estate to federal estate taxes.

    By developing an estate plan together with your attorney, you can minimize the burden placed on your heirs. There are legal avenues available to protect the wealth you have created over your lifetime. Judge Learned Hand said, “In our system of government, citizens are required to pay taxes, but not more than they are legally obligated.” Without an estate plan, you may be paying more than you are legally obligated.