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Chart Your Secure Financial Future

We are your local advisors who provide a comprehensive, personalized approach to financial planning — integrating retirement planning, wealth management, investment strategy, tax and Medicare solutions, and multi-generational planning into one coordinated strategy.

Testimonials

I cannot adequately express the value of a financial advisor.  We trust our health to a doctor.  We trust the plumber, electrician, and car mechanic.  Why wouldn’t we also trust a financial professional —especially in our very complex fiscal system with its myriad of laws, regulations, tax codes, investments, and retirement plans—all of which we have neither the expertise nor time to navigate?  One does not have to be wealthy to need or benefit from such expertise.  The confidence Michael has provided me over the years is priceless.

-Cynthia P.


This testimonial and/or endorsement was given by a client of the financial advisor and no compensation was provided directly or indirectly. This testimonial and/or endorsement is not a guarantee of future performance or investment success, and the testimonial and/or endorsement may not be representative of the experience of other customers. Please visit BrokerCheck ( https://brokercheck.finra.org ) to see more on the background of this professional.

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Testimonials

“Nate has been great to work with for the past two years! He makes sure that my goals are made to fit my needs. You can tell by his demeanor that he has a lot of care and concern. I know I don't have to worry because I am in GREAT hands! My only wish would be to have met him sooner.”

-Janet P.


This testimonial and/or endorsement was given by a client of the financial advisor and no compensation was provided directly or indirectly. This testimonial and/or endorsement is not a guarantee of future performance or investment success, and the testimonial and/or endorsement may not be representative of the experience of other customers. Please visit BrokerCheck ( https://brokercheck.finra.org ) to see more on the background of this professional.

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Client Testimonial

"When we’ve received mail from SSA or Medicare related to IRMAA premiums or if we desire to invest in a specific stock, the CFS investment team researches our requests and make suggestions. Retirement plans are reviewed regularly and as needed.  Because Mike understands and discusses our values and goals when we meet, we feel that there is an alignment to our personal likes and dislikes with the rest of the world when it comes to our portfolio."

-Betsy C.


This testimonial and/or endorsement was given by a client of the financial advisor and no compensation was provided directly or indirectly. This testimonial and/or endorsement is not a guarantee of future performance or investment success, and the testimonial and/or endorsement may not be representative of the experience of other customers. Please visit BrokerCheck ( https://brokercheck.finra.org ) to see more on the background of this professional.

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4 Critical Social Security Facts

Social Security is a significant concern for many Americans and plays a vital role in retirement. Learn about  important Social Security facts and what you should know as an investor.

Financial Support for all Life Stages

Whether you're launching your career or are retired, count on CFS' expertise to develop and maintain a firm financial foundation. We pride ourselves in working with people, not just portfolios, when serving you and your family to help you reach your goals.

Starting Out

Starting Out

Growing Wealth

Growing Wealth

Nearing Retirement

Nearing Retirement

Living in Retirement

Living in Retirement

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Financial Planning

Wealth Management

Tax Solutions

Small Business Solutions

Medicare consulting

Poultry Industry Knowledge

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Why is a fiduciary important?

Not all financial professionals are fiduciaries, and not all are required to put your interests ahead of their own. For instance, some advisors may only have to meet a suitability standard, meaning they may recommend products or services that are simply "suitable" for you, but not necessarily the best option. A fiduciary, on the other hand, must go beyond suitability and act with the highest degree of loyalty, care, and good faith toward you.

  • Advocate for Your Best Interests: Our fiduciaries have a legal obligation to act in your best interests at all times, ensuring your financial decisions are always aligned with your goals.
  • Offer Objective, Unbiased Advice: Unlike non-fiduciary advisors, who may be incentivized by commissions or sales targets, our fiduciaries are focused solely on your financial success.
  • Provide Tailored Financial Solutions: We take the time to understand your unique circumstances and create strategies that will help you reach your financial objectives.
  • Ensure Transparency: We’re committed to clear, open communication about your portfolio, fees, and any potential conflicts of interest. With us, there are no surprises.


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Additional Resources

Impact Investing or Philanthropy

Impact Investing or Philanthropy

This fun piece can help your clients explore the benefits of impact investing versus founding a philanthropy.
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Saving for College 101

Saving for College 101

Here's a crash course on saving for college.
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Retirement Realities

Retirement Realities

Many pre-retirees can become focused on the “ideal” retirement, but turning that dream into a reality can be tricky.
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charting a secure future

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