Financial Planning

Planning for the future. Protection for your wealth.

A Personal Touch for every client. That’s Chatham Wealth Management.

 
 
 

You work hard to build your wealth. Now create a plan to grow and protect it.

Our team of Certified Financial Planners work with you to navigate complex financial challenges today and in the future. Our New Jersey based team will help you identify risks, protect your wealth, and secure additional income streams before and after retirement. At no additional cost or fee, we provide holistic, conflict-free, financial planning services that align with our clients’ core values and financial well-being.

Financial Planning

Services

  • Our financial planning company’s customized investment portfolios go beyond just acquiring stocks, bonds, and mutual funds. Our registered investment advisors tailor our strategies to your personal finances and future goals.

  • When it comes time for your retirement you may receive income from social security, pensions, and other sources, but will it go far enough? Our fiduciary financial advisors will assess your financial needs in retirement by analyzing everything from expenses to your desired lifestyle. Your Chatham Wealth Management CFP® professional will then design a plan to help fill the gap between your expenses and expected income. The CWM team will then work together to create an investment portfolio that is inline with the financial planning goals. You have worked hard your entire life, you deserve to enjoy your retirement.

  • Chatham Wealth Management’s intergenerational & elder financial planning services are designed to help you and your loved ones prepare for the all of life’s changes and phases. We help you navigate expenses from family planning and those associated with aging such as assisted living, long-term care, disability, and death.

  • Our financial advisors work with you and your attorneys to coordinate preserving and passing on your estate to your beneficiaries. This can include organizing assets such as:

    -Property

    -Business Interests

    -Investments

    -Insurance Proceeds

    -Personal Effects

    Similar to estate planning, our legacy financial planning advisory services help you to ensure you are passing on your estate to your heirs and establishing how and when they should receive this inheritance.

  • Working with you and your accountants, Chatham Wealth Management’s team of financial planners will identify opportunities for deductions, exemptions, and tax credits. Our financial advisors will then recommend actions that could lower your tax burden.

  • Chatham Wealth Management’s financial planners are available to help you to identify when is the best time and what are the best vehicles to use when giving to charities, philanthropies, and organizations. Our fiduciary financial advisors will also help you to identify the tax implications for giving to charities and how it can potentially lower your taxable income.

  • Just as much as we want to help you to grow your wealth and assets, our fiduciary financial advisors also want to work with you to protect against market volatility and downturns. Our goal is to grow your wealth while limiting the downside risk.

  • Life is full of risks that can impact your financial future. Your financial advisor is available to help you identify your insurance needs and advise on how best to meet those needs and reduce the risk associated with a financially catastrophic event beyond your control. Providing for your family and protecting your assets with life, health, property, disability, and long-term care insurance is an important part of your financial plan and our CERTIFIED FINANCIAL PLANNER™ professionals will help determine the most appropriate policies for your needs.

  • The gift of a higher education is one of the best things you can give your children and grandchildren to set them up for success throughout their lives. Your financial planner can help you establish and grow savings accounts with funds that can be specifically allocated to cover the cost of a college education.

How we do things

Fully Customized Portfolios

The Chatham Wealth Management team will review all your current assets and obligations, as well as discuss your risk tolerance, time horizons and asset preferences. Our investment management firm then constructs individualized portfolios using US and international equities with bond and satellite investments tailored to your goals and in coordination with your other assets and obligations.

Goals-Based Planning

Our investment portfolio management and financial planning process keeps your entire financial picture in focus, even accounts that we do not manage for no additional fees. Our investment services will help you avoid a “junk drawer” of financial pieces and draw a cohesive financial picture for today and tomorrow.

Fiduciary Standards

As an SEC regulated fiduciary, our investment management company always puts your interests first ahead of our own interests. Our investment services are not tied to specific product pipelines like many other advisors. This offers us greater flexibility in customizing your portfolio to your specific wishes. Additionally, as fiduciaries, Chatham Wealth Management does not earn commissions on any investments purchased on your behalf.

Fee-Only Compensation

Unlike some other investment management firms, our investment services come without the surprise charges of many other asset management companies. We structure our investment service fees based on a percentage of assets invested with us to focus on maximizing your gains, while keeping your risk tolerance and time horizon in mind.

Effortless Investing

You worked hard accumulating your savings, and your financial future deserves specialized attention. Our Certified Financial Planners® and relationship managers are experts with decades of success. Our investment management company utilizes our professionals’ valuable industry connections, access to resources, information, and research to aid us in generating growth and income while preserving capital and minimizing tax implications. Let us manage your investments while you manage your life.

  • The Chatham Wealth Management team will review all your current assets and obligations, as well as discuss your risk tolerance, time horizons and asset preferences. Our investment management firm then constructs individualized portfolios using US and international equities with bond and satellite investments tailored to your goals and in coordination with your other assets and obligations.

  • Our investment portfolio management and financial planning process keeps your entire financial picture in focus, even accounts that we do not manage for no additional fees. Our investment services will help you avoid a “junk drawer” of financial pieces and draw a cohesive financial picture for today and tomorrow.

  • As an SEC regulated fiduciary, our investment management company always puts your interests first ahead of our own interests. Our investment services are not tied to specific product pipelines like many other advisors. This offers us greater flexibility in customizing your portfolio to your specific wishes. Additionally, as fiduciaries, Chatham Wealth Management does not earn commissions on any investments purchased on your behalf.

  • Unlike some other investment management firms, our investment services come without the surprise charges of many other asset management companies. We structure our investment service fees based on a percentage of assets invested with us to focus on maximizing your gains, while keeping your risk tolerance and time horizon in mind.

  • You worked hard accumulating your savings, and your financial future deserves specialized attention. Our Certified Financial Planners® and relationship managers are experts with decades of success. Our investment management company utilizes our professionals’ valuable industry connections, access to resources, information, and research to aid us in generating growth and income while preserving capital and minimizing tax implications. Let us manage your investments while you manage your life.

Our Stress-Free Strategy

All of our clients work directly with an assigned and dedicated relationship manager and financial planner to plan and coordinate their investments. With your permission, our financial advisors can also coordinate with your personal lawyers, accountants, insurance representatives, and other relevant parties to create a more comprehensive overview of your financial position.

Here is how our financial planning services works: 

  1. Chatham Wealth Management’s two in-house certified financial planners begin by working with our clients to gather all of the relevant and useful background information.

  2. Then, we work together to determine your specific needs and aspirations. 

  3. Our CFP® professionals will create a completely custom plan designed for your financial and estate goals.

Once your initial plan is completed it will become a living document that is monitored and updated to adapt to the changes in your financial life. With events such as inheritance, bonuses, divorces, change in income, and selling a business, life presents its financial fluctuations. Your dedicated relationship manager will meet with you at least twice a year to discuss ways your personalized financial plan can better address your goals and evolving needs.

 

At the heart of every decision is YOU.

Our New Jersey based financial planning services are delivered by Certified Financial Planners, Investment Managers, and Relationship Managers who work together seamlessly to serve you in attaining your financial aspirations. 

Through a fee-only fiduciary model registered with the SEC, we do not sell any insurance or annuities and make no commission. Our sole revenue comes from our planning fees and are in no way based on the assets under our management. 

Whether in person, on the phone, or over a video conference call, our entire team will be available to help you to meet today’s necessities while planning for your dreams.

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Ready to get the attention you deserve?

At Chatham Wealth, you are not just another account number. We are your partners in reaching your financial aspirations. Contact us so we can begin investing in your life today for your dreams tomorrow.

 

Disclosures

  • Chatham Wealth Management is registered as an investment adviser with the SEC. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the adviser has attained a particular level of skill or ability.

  • Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be profitable for a client's portfolio.