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How We Work

C.D. Financial, Inc. is a boutique family practice that has spent decades helping individuals, families, and small businesses achieve their financial life goals. We are a full service Independent Firm that specializes in:

  • Comprehensive Wealth Management
  • Retirement Income Planning (including tax-efficient income)

Although we consider the above to be our forte, we manage and have expertise in:

  • Employer retirement plans (SIMPLE IRA, SEP IRA, 401k)
  • Tax-efficient investing (ROTH IRA's, municipal bonds, tax loss harvesting, tax-managed funds, etc)
  • Socially Responsible Investing
  • College planning (529 Plans, etc)
  • Special needs investing (ABLE, Special Needs Trusts)
  • Life insurance (term, whole, universal)
  • Long-term care insurance

Based on our 5 STEP Investment Process, we will agree upon one of the following strategies:

  • Investment Management Strategy
    • Working for you in a fiduciary capacity, where we both sit on the same side of the table, we will customize and manage your asset portfolio
    • Provide ongoing portfolio management
    • Work with outside professionals as needed (accountants, attorneys, etc)
    • Make adjustments to the portfolio as needed
    • Let's face it, this option is designed for the anyone who wants to hand off their wealth creation and income production to a professional. One who has access to various financial tools, conducts extensive research of funds and managers, and can craft a portfolio combining some of the best fund managers, mutual funds, ETFs, stocks, and bonds.
  • Financial Plan Creation and Optional Ongoing Monitoring
    • We design a customized goal-based plan - you implement the plan and manage the asset portfolio
      • This option is designed for those who enjoy managing their own portfolio of investments, but need a professional roadmap tailored to the individual
      • This may be a one-time plan, or you may choose to retain us on an annual/semi-annual/quarterly basis, to ensure the plan is appropriate and to make adjustments where necessary

To learn more about our investment philosophy, visit the 5 STEP Investment Process

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | 716-929-6550