Investment Management
Successful investment management starts with discipline. It is the cornerstone of your financial future. At Canadian River Wealth Management, we manage your assets as if they were our own.
Personalized Investing
We understand that your wealth is more than a number: It’s the key to secure and fulfilling life, created on your terms.
Our priorities are to protect your hard-earned capital and to grow it intelligently, employing a well-diversified mix of stocks, bonds, mutual funds, and exchange-traded funds. And because each client’s situation and objectives are unique, our portfolios are carefully customized to meet your needs.
A Disciplined Approach
Investing is a science, not an art. And it’s certainly not about hunches or following the crowd.
At Canadian River Wealth Management, we aim to employ a disciplined approach with the objective of helping long-term investors reach their goals through changing markets. Time, discipline, consistency and cost awareness are cornerstones of all successful portfolios.
Accountable to You
As an independent, fiduciary advisory firm, we’re proud to be accountable solely to our clients. We monitor your investments daily, track and measure performance regularly, and communicate frequently.
Most importantly, we never lose sight of our goal: your success.
Estate Planning
Proper estate planning helps to ensure that your heirs receive the greatest amount of your wealth possible, in an easy and efficient manner. It often goes hand in hand with charitable giving. We coordinate with your estate planning attorney to focus on your unique situation. We provide guidance for giving to the people and causes that are important to you in two ways: during your lifetime, and at the settlement of your estate.
Financial planning
Financial planning is the roadmap to secure and fulfilling life, as you define it. We provide comprehensive planning: Not just for investments—but for everything from debt management to generating the retirement income you’ll need.
Comprehensive, Personalized Plans
Our planning process starts with getting to know you and your needs in-depth and in detail. Based on that information, we create a comprehensive set of recommendations that may include:
Retirement Income Planning
We guide and support clients in building their retirement nest eggs, and we also help them retire confident that they will not outlive their assets. Retirement income planning involves working together to identify your retirement income needs, then creating two things:
An in-retirement portfolio that, along with Social Security and any other income sources, provides steady income while allowing for needed growth
A spending strategy that can keep you from overspending—or living with unnecessary frugality
Risk Management
Wealth takes a great deal of time and work to achieve, but it can be lost quickly. That’s why risk management is essential for those who wish to sustain their wealth and potentially pass it on to multiple generations.
We walk clients through the potential risks faced by them, their family members, and their assets. We may also recommend cost-effective insurance options to reduce those risks.
Tax Strategies
Our proactive tax strategies evaluate the impact of how your investments are structured on current and potential future tax liabilities. We look at what assets are positioned in taxable accounts, Traditional or Roth IRAs. Looking ahead, we evaluate the need for advance tax planning with the goal of avoiding or limiting the effects of Estate Taxes. Our comprehensive tax planning process includes
Funding Natural Resource Investments That Have Generous Tax Deductions. Investing in opportunities such as domestic oil and gas drilling can result in hefty write-offs for high-net-worth clients. Certain natural resource investments can also serve to mitigate or eliminate tax liabilities that arise when converting traditional IRAs to Roth IRAs.
Gifting Strategies for Tax-Free Giving. Our clients use family gifting strategies to remove assets from their taxable estates. These strategies help reduce future estate taxes and benefit your family members immediately.
Planning Strategies to Reduce Inter-Generational Taxes. A combination of federal and state taxes can significantly reduce the assets your heirs receive. Strategic estate planning is critical to maximizing the share that future generations will enjoy.
Tailored Financial Strategies for Every Season
Financial planning isn’t one-size-fits-all. At Canadian River Wealth Management & Consulting, we offer customized financial solutions to match your unique circumstances, whether you’re just starting out, growing your wealth, or planning your legacy.
Our Services Include
FAQ's
What is a fee-only fiduciary advisor?
Fee-only advisors are Registered Investment Advisors with a Fiduciary responsibility to act in their clients’ best interest. Our compensation can be asset based, planning based, service based or a combination of the three. In addition, we receive compensation from our affiliate Black Knight Alternative Investments if a client chooses to participate in BKAI offerings and it is suitable for their investment profile.
Where is our clients’ money kept?
Canadian River Wealth Management offers clearing and custody through Charles Schwab & Co. This full featured platform was founded in 1971. Charles Schwab is a well-known and highly utilized custodian for Registered Investment Advisors and holds over $7 Trillion in client assets for 11 million individual Investors and Institutions. Charles Schwab is a member of the New York Stock Exchange, FINRA and SIPC.
As of 12/31/2023
What is your investment approach?
Our approach is firmly grounded in each client’s specific situation and goals. Investing for a clearly defined long-term objective—such as a comfortable retirement or funding college —helps to create the focus and discipline that are vital for your success.
Each of our investment recommendations is different because each of our clients is different. In constructing our portfolios, we eschew shortcuts and fads, relying instead on the proven principles of modern portfolio theory as laid out by Nobel laureates such as Harry Markowitz, Merton Miller, and William Sharpe. This knowledge helps us to harness markets’ rewards and avoid their pitfalls to the greatest extent possible.
Finally, while portfolio appreciation is important, what really matters is the amount of money that you keep. Thus, we use low-cost vehicles such as institutional-grade mutual funds and exchange-traded funds. And we employ tax management strategies to preserve as much of your wealth as possible.
How do I move my assets?
Assets are typically transferred from custodian to custodian directly. You accomplish this by simply opening a new account with our custodian Charles Schwab & Co. and signing asset transfer forms that will move your assets. Cash assets can simply be deposited by check or wire transfer into your brokerage account.