Welcome to CVW Financial , LLC
Let us help you feel the immediate relief and satisfaction the comes from working toward your goals with a trusted advisor .
Whether you are looking to work on a financial plan, invest, or get specific advice about personal finance, you have come to the right place.
CVW Financial is a Registered Investment Advisor committed to guiding you on your financial path. We start with a friendly conversation where I listen to your situation and goals. By understanding your life circumstances and values, we create a customized plan together that helps you save better, prepare for retirement, and confidently handle life’s changes and challenges.
A sustainable lifestyle occurs when all parts of your life fit together, like a puzzle, to form a complete picture.
As seen in
Services
We offer a wide range of comprehensive financial planning services designed to meet your unique needs and can assist you with various life's events or major financial goals that you may have. Here are just a few important topics we can cover together.
Investment strategies with tax integration
Retirement and estate planning
Comprehensive financial planning
Insurance planning
Education planning
401(k), 403(b), 457 services
What makes working with CVW Financial unique?
We are independent, which means you work directly with a dedicated person, rather than a revolving door of advisors at a large corporation. As a fiduciary, CVW do not sell insurance or investment products, which allows us to provide unbiased advice. This ensures that all recommendations are based solely on your unique needs and financial goals. The focus is aways on understanding you as an individual with the aim to build long-term relationships rooted in trust. We are committed to being transparent and ethical in all dealings, prioritizing your best interests at all times.
Link to Massachusetts-required Fee Table.
Simple Fees & Structures
PLANNING
1%
of household income
INVESTING
1.25%
of assets under management
Clients
Every client is unique and deserves respect. I seek individuals who are committed to taking control of their finances and working together to achieve their goals. Many people don't utilize a financial advisor, which can mean missing out on opportunities. If this sounds like you, please reach out. There are no income requirements or background preferences.
What to Expect
Initial Meeting
Our first meeting takes place before we’ve even decided to work together and may be in-person or virtual. What clients often find is that this is easier, and more enjoyable, than expected. You have no obligations to me other than giving me an idea of what you are looking for.
You will also learn about CVW Financial and answer any questions you have about the firm and about me.
I work with people, not money, so you may notice that I never ask for specifics dollar amounts. I am interested in a lasting partnership, so I am listening for what you need and thinking about how best to help you.
Goal Setting
After we learn about each other, and sign the necessary forms, we will discuss your specific goals which, depending on where you are in life might be very specific, or more general. Examples include:
Short-term goals including:
annual vacations
cars
Long-term goals including:
a vacation house
retirement.
Information Gathering
This can be digitally uploaded to my secure financial planning software, emailed, shared in a Google drive, or handed/mailed in hard copy. A non-exhaustive list includes:
Paystubs and tax information
Relevant account statements
For financial plans the list may also include:
Auto and home insurance
Trust documents
Analysis
Once I receive what I need from you, I will begin to analyze where you are now and the strengths and weaknesses of what you have been doing.
There may be several conversations and emails while I try to get a clear picture of your situation, lifestyle, and what you ultimately want.
Presentation
I will present to you my recommendations and give you some time to think about what we’ve discussed.
After that, we will adjust any area of the plan that necessary to help you succeed.
Monitoring
Finally, we will monitor your progress and continue to adjust as need be.
The monitoring process can take place as frequently as weekly or as infrequently as every six months. This is completely based on each client’s individual needs.
Does this sound like you?
"What am I supposed to do with my money?" "Have we invested enough?" "Can we afford a new house?" "Is our lifestyle sustainable?” "I wish I could travel more." "I've always wanted to……."
Contact Us
Tim with his dog “Chester V. Walt” CVW’s namesake.
Tim with his family and an unidentified Moose, on vacation in Vermont.