C & C Financial Services manages investment portfolios for individuals, trusts, estates, charitable organizations, and corporations. C & C Financial Services offers both discretionary investment management, where the firm makes trades on your behalf without asking each time, and non-discretionary management, where you must approve trades in advance. The firm focuses strictly on investment management and does not provide financial planning services directly, though an affiliated certified public accounting firm (Cummings & Carroll, P.C.) offers accounting and tax preparation services which may be included in the investment management fee depending on account size and complexity. C & C Financial Services builds portfolios using individual stocks, bonds, money market funds, mutual funds, exchange-traded funds, municipal securities, structured notes, and options. The firm does not charge performance-based fees and requires no advance payment, instead billing quarterly in arrears.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1M+ | 0.50% |
Fees are negotiable based on account complexity, trading activity, and account size. Accounting and tax preparation services from an affiliated firm may be included depending on account size and complexity.