CFM Horizon – Financial Road Map

Our proprietary Cash Flow Model delivers a visually straightforward roadmap which helps uncover opportunities, optimizes resources, and results in integrated, logical, forward looking perspective. Designed in-house and customized to each client, our model is critical to understanding the numerous components of our clients’ financial lives, while providing a sound basis for investment, estate, retirement, and tax planning.

Unique Investment Advisory Process

We believe the only way to define risk is qualitatively AND quantitatively. CFM Horizon provides deeper insight than a traditional risk questionnaire. Where suitable, it charts a measurable and systematic means to gain a complete understanding of a client’s financial affairs, and quantify how much risk they need to take in order to arrive at the investment allocation that meets their objectives. By integrating this with the more subjective qualitative measures, our solutions-oriented investment planning process produces prudent strategic and tactical portfolios that help our clients focus on the things that are important to them.

Comprehensive Oversight

Because we believe that asset allocation* is a main driver of risk and return, we can monitor investment assets that are not held by our firm and report all holdings in a consolidated fashion. This approach provides the comprehensive oversight required in order to properly allocate a client’s portfolio for best possible outcomes.

*Asset allocation does not guarantee against a loss.

Fiduciary Duty

A fiduciary holds a legal or ethical relationship of trust. Fiduciary duty carries with it the highest standard of care as defined by the law. The majority of wealth management professionals and/or investment advisors ARE NOT fiduciaries and are bound by much less stringent regulations. Capital Advisors, Ltd. is a Registered Investment Advisor with the U.S. Securities and Exchange Commission (SEC), which means we are required by regulation to act in our clients' best interests.

Transparent, Predictable, Competitive Fee

Our fee, based on a percentage of investment assets under management, is competitively priced and all encompassing.

Credentialed, Experienced & Tenured Team

Our team has over 230 cumulative years of experience in the wealth management industry, an average tenure at the firm of over 16 years, and hold 16 industry credentials including: CERTIFIED FINANCIAL PLANNER (CFP®), Chartered Financial Analyst (CFA®), Certified Public Accountant (CPA), Masters in Business Administration (MBA), Accredited Portfolio Management Advisor (APMA®), Accredited Investment Fiduciary (AIF®), Accredited Estate Planner (AEP®), and Chartered Mutual Fund Advisor (CMFA®).

Key Facts
  • Founded in 1991 as an independent, privately owned wealth management firm.
  • Dedicated to the Financial Planning Process, providing clients a fully integrated and comprehensive view of their financial affairs.
  • Our team has over 230 cumulative years of experience in the wealth management industry, an average tenure at the firm of over 16 years.
  • Firm members hold 16 professional and industry credentials.
  • We are fiduciaries. Fiduciary duty carries with it the highest standard of care defined by the law.
  • Our proprietary, customized financial pro forma, CFM Horizon - Financial Road Map gives clients a top down view of their financial affairs.