CTS Financial Planning is a registered investment advisor that has been serving clients since 1972. The firm provides comprehensive financial planning, focused retirement planning, tax planning and preparation, accounting services, and investment management. CTS Financial Planning manages portfolios on a discretionary basis, utilizing mutual funds, exchange-traded funds, individual securities, and independent managers. The firm emphasizes proactive risk management, adjusting stock and bond exposure dynamically to limit downside risk during market declines. Services are tailored to each client's individual goals, risk tolerance, and time horizon. In addition to investment and planning services, CTS Financial Planning prepares tax returns for individuals and businesses, including partnerships, trusts, and corporations.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 2.00% |
| $250K - $500K | 1.75% |
| $500K - $750K | 1.50% |
| $750K - $1.0M | 1.25% |
| $1M+ | 1.00% |
Fees are negotiable based on anticipated future earning capacity, asset size, and other criteria.