CMA Financial Services mission is to serve and work for the client. We offer comprehensive financial services in the areas of financial planning, money management, estate planning, insurance, tax preparation and tax planning. Our firm was founded on the highest ethical standards and puts every client’s success first. Our goal is not to sell but to help our clients achieve their goals for reasons that are important to them. Aligning our clients’ goals with their most deeply held values allows us to guide them on a path that ensures their future success and happiness.
CMA is unique because we use a team of professionals who work together to guide our clients through the world’s financial challenges. Most people have to seek out and hire a CERTIFIED FINANCIAL PLANNERTM, money manager, insurance specialists, attorneys and tax professionals separately. They then have to meet with them individually, extract the advice and piece that advice together themselves, in hopes to find a path that will help them achieve financial success. These same people often wind up frustrated when the uncoordinated advice of their professionals, who don’t meet together, doesn’t work and their path takes a turn for the worst.
We guide our clients along the path to achieving their goals for reasons that are important to them. We bring this team together to offer comprehensive, coordinated and consolidated advice to each client. Our professionals span a wide range of financial services and include all of the professions listed above. We believe the best way to ensure our clients achieve their goals is to have these financial professionals meet together and recommend client action as a team instead of individually. The team must also see our client’s future success as paramount. The better the quality of our services, the greater will be the success of our clients. The greatest reward we receive is when our clients achieve all of their goals for reasons that are important to them.
Administrative Manager: Carly Wicks is the single point-of-contact for clients who have questions or needs regarding any of your deliverables. She coordinates the interactions of the deliverables team members and makes sure they handle any questions on our deliverables team checklist.
Certified Financial Planner: Jessica Morris Ayers prepares financial plans, trains clients to use eMoney and analyzes whether you are on track to achieve all of your goals for reasons that are important to you. She proactively contacts clients to tell them whether to go ahead with a planned expenditure or whether to delay the expenditure based on their current financial position. She also analyzes the impact of unexpected events on your financial health and ability to achieve your goals.
Tax Planner: Beth Morris works with your current CPA to oversee the creation of your tax projection at the end of every year. She also works with the Deliverables Team to make sure financial decisions that are made, regarding your investments or goals are made in such a way as to minimize your taxes.
Estate Planning Attorney: Robert Petmecky reviews your estate plan to make sure all the bases have been covered concerning your estate plan. He oversees the titling of accounts and trusts to make sure they are correctly titled and to make sure when needed, your instructions regarding your estate are carried out for your surviving spouse or children. His estate plans are designed to minimize or eliminate estate taxes. And he can help create or manage charitable trusts and the transfer of assets to intended charities. http://petmeckylaw.com/
Insurance: Hubert Prescod oversees the interaction of different insurance team members to make sure you have adequate home, auto and umbrella insurance. He also reviews your life insurance, disability insurance and long-term care insurance needs and assists in recommending changes to your insurance based on your needs.
Investments: Chris Morris and Jessica Ayers work with outside money managers to make sure your investments are allocated to optimize your overall portfolio returns. They manage the risk-return trade-off according to several Nobel Prize winning theories. Chris and Jessica follow “tactical asset allocation” models as described by Yale University’s David Swensen. The allocation models that are used are based on the work of Markowitz and Sharpe. Both men won Nobel Prizes in Economics for their asset allocation theories. Chris and Jessica assess your risk tolerance by following the Nobel Prize winning theory called Prospect Theory as developed by Kahneman and Tversky.