Who We Work With: Healthcare and Education Professionals as well as Individual Investors

Healthcare Professionals

Whether you run your own private practice, are part of a group practice or employed by a hospital, most healthcare professionals have one problem in common – how to best balance your work, family and personal lives.  On top of this, the rigors of your career leaves you with little time to manage your finances and investments.  And what about issues regarding repaying student loan debt, managing your cash flow, saving and preparing for retirement?  The list goes on and on.

CW Wealth Management is here to help!  We realize that you’re so busy taking care of patients that you don’t always have the time to take care of yourself.  Having an investment advisor representative that you can trust is critical; think of us as your primary care provider for your financial assets and aspirations.  Our overall goal is to take care of you while you take care of your patients by implementing and monitoring a personalized financial plan to help you pursue your short and long-term objectives.  We will be there for you along the way from the original diagnosis, to treatment and follow-up.               

On a side note, my Mom was a Registered Nurse (RN) for over 25 years, so I witnessed the difficulties first-hand about balancing work and family life.  But with the help of a trusted investment advisor (along with a great Dad), they were always there to take me to baseball practice and watch my games as I grew up.  Also, I would be remiss if I didn’t give a shout out to our family chiropractor because without him, my dream of playing baseball in college may have never happened. 

Do you have a financial plan in place?  Have you received a second opinion on your current financial plan?  If not, CW Wealth Management would love the opportunity to become your primary care provider for your financial assets and aspirations.  Please send us an email or give us a call to schedule a free, no obligation financial consultation.  Also, don’t forget to connect with us on social media for value-added content and updates.

Education Professionals

My wife has been a teacher and administrator in both public and private school systems for over 10 years.  So for those who think that professionals in the education field “have it easy” with days ending at 3:30pm, holidays off and a long summer vacation really have a highly inaccurate picture of the realities of this career.  Besides the rigorous nature of the job and importance of teaching the next generation of adults during school hours, there are after school meetings with parents, planning meetings, grading papers, endless emails and text messages, coaching school teams, etc.  Not to mention when you finally get to leave school grounds, you have your own family, hobbies and personal life to take care of and this can be overwhelming in itself.  With all of this on your plate, do you have time to think in-depth about your retirement planning, investments and overall financial picture? 

CW Wealth Management is here to help!  We realize that while you’re busy taking care of students’ needs, you may not be focusing enough on taking care of your own needs for the future.  Our focus is to work with educational professionals, including teachers and administrators, in all stages of their careers to help them pursue their financial goals and aspirations.  Whether you are just starting your career in the education field looking to pay off student loans and start saving for retirement, mid-career looking to supplement your pension with additional retirement investments, or nearing retirement, we’ll be there for you and your family from the opening to final bell.   

There is an old saying that no one goes into the education profession to get rich; we believe there is no reason educators should not be able to enjoy a comfortable retirement after years of service to the families in their communities.  So what’s your homework?  Send us an email or give us a call to schedule a free, no obligation financial consultation.  Also, don’t forget to connect with us on social media for value-added content and updates.

Individual Investors

At CW Wealth Management, we believe that working closely with individual investors is an important mission for our practice.  Everyday people have busy lives, both at work and at home, and many feel like there just “isn’t enough time” to get everything done.  Do I stay late at work to meet that deadline or help my daughter with her volleyball drills?  Can I grill those steaks tonight or will it be another night of carry out?  You get the idea.  But on top of all of this, what about the time it takes to make sure that your financial assets and aspirations are in order.  Is my retirement plan on track?  Do I have the right investments and asset allocation to pursue my goals?  College expenses?  Insurance needs?  We understand that these concerns, on top of what everyday life throws at you, can be overwhelming. 

CW Wealth Management is here to help!  We have found that being able to outsource the management and monitoring of financial assets to someone you can trust can not only free up time for yourself, but can also potentially help produce higher returns over the long run.  Numerous industry studies by respected names in the financial services industry (Vanguard, Russell Investments, etc) have found that utilizing an investment advisor representative can add approximately 3% to 4%+ to annual returns over time.  This is accomplished by implementing best practices in wealth management such as behavioral coaching, asset allocation, portfolio rebalancing, tax management and financial planning.  What can this mean for you?  By partnering with an investment advisor representative and implementing the aforementioned best practices in wealth management, over a 20-year period could result in a portfolio that is approximately 60% to 80%+ higher for you and your family.  Please note that while these wealth management best practices are available to investors, they may not apply to every investor.  Individual investor’s circumstances may be different than those analyzed and past results are not guarantees of future returns.

Whether you are seeking more time to spend with your family (which is priceless) or the potential of higher wealth generation over the long-term, CW Wealth Management is here to help.  Please send us an email or give us a call to schedule a free, no obligation financial consultation.  We would love to welcome you to the CW Wealth Management Family!  Also, don’t forget to connect with us on social media for value-added content and updates.

Sources:

• Kinniry, Francis, Colleen Jaconetti, Michael DiJoseph, Yan Zilbering and Donald Bennyhoff, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha”. Vanguard Research, September, 2016.
• “2020 Value of an Advisor Study: How can financial advisors amplify their value”. Russell Investments, May, 2020.