Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Fixed Fees (Other than subscription)
Cmh Wealth Management, LLC Overview
Ameriprise Financial Services, LLC is a fee-based registered investment advisory firm that has been operating since 1986 and is headquartered in Minneapolis, MN. The firm is a broker-dealer, commodity pool operator/advisor, insurance broker/agent, and provides investment advice to its clients. The firm offers a range of services to its clients, including financial planning, portfolio management for individuals and small businesses, portfolio management for businesses or institutional clients, pension consulting services, selection of other advisors, publication of periodicals or newsletters, educational seminars and workshops, and asset allocation services. The firm's asset allocation services are particularly notable, as they help clients allocate their investment portfolios across different asset classes to help manage risk and achieve their investment goals. Overall, Ameriprise Financial Services, LLC provides a comprehensive suite of financial services to meet the needs of its clients.
CMH WEALTH MANAGEMENT, LLC serves a diverse range of clients including individuals, high net worth individuals, and charitable organizations. This esteemed financial services firm also extends its expertise to corporation types not listed, ensuring that all clients receive exceptional and tailored financial advice that caters specifically to their unique requirements. With extensive experience in the industry, CMH Wealth Management, LLC prides itself on delivering exceptional service and exceeding client expectations. When it comes to fee structures, CMH Wealth Management, LLC offers several options depending on the service provided. Clients can choose either a percentage of Asset Under Management (AUM) or fixed fees. The percentage of AUM fee structure is calculated based on the total value of the assets managed by the firm on behalf of the client. This fee is generally the same for all clients. In contrast, fixed fees are set at a predetermined rate and can vary based on services provided. These fees are typically charged annually and include a range of management and administrative services such as tax preparation, estate planning, and investment guidance. CMH Wealth Management, LLC is committed to delivering transparent, competitive, and fair pricing to all clients, and they pride themselves on their ability to provide exceptional value for money.
Typical Clients, Fee Structures & Investment Minimum
According to the Part 2 Brochure of CMH WEALTH MANAGEMENT, LLC, there is an investment minimum of $500,000 for new accounts. The brochure states, "Our minimum account size for new clients is generally $500,000." Therefore, clients who wish to open an account with CMH WEALTH MANAGEMENT, LLC must invest at least $500,000 to become a client.
How This Office Can Help Rockingham County, NH Residents
Capstone Investment Financial Group has been assisting clients in Colorado Springs, CO by providing them with personalized financial advice and management services. As a full-service financial firm, Capstone Investment Financial Group offers a wide range of services tailored to meet the needs of individuals, families, and businesses in this region. One of the most common financial situations that someone living in Colorado Springs, CO may face is planning for retirement. Capstone Investment Financial Group assists clients in creating a comprehensive retirement plan that takes into account their specific goals and needs. The firm also helps clients navigate the complex world of investing, providing them with the tools and resources they need to make informed decisions about their money. In addition, Capstone Investment Financial Group offers advice and support for estate planning, tax planning, insurance planning, and other financial matters that are relevant to residents of Colorado Springs, CO.
Services Offered by Cmh Wealth Management, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Cmh Wealth Management, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
- Mon 8:30 AM–5 PM
- Tue 8:30 AM–5 PM
- Wed 8:30 AM–5 PM
- Thu 8:30 AM–5 PM
- Fri 8:30 AM–5 PM
- Sat Closed
- Sun Closed
Other Office Locations
Firm Headquarters
This firm has no other locations.
State Registrations
Cmh Wealth Management, LLC is registered to service clients in the following states:
- California
- Florida
- Maine
- Massachusetts
- New Hampshire
- New York
- South Carolina
Disciplinary History
Cmh Wealth Management, LLC does not have any disclosures. Please visit it's Form ADV for more details.