Products & Services
At Cummings Wealth Management (CWM), we offer a wide range of services including investment management and comprehensive financial planning. No matter what stage of life our clients find themselves in, we can help develop a strategy; whether you are a growing family, transitioning in your career, or preparing for retirement.
INVESTMENTS
Through wealth management, CWM can help clients create an investment portfolio that produces appropriate diversification based on the individual client’s goals and risk tolerance. Professional investment management can provide investors access to investments they may not have otherwise, including a wide variety of traditional and alternative investment classes, including:
- Bonds
- Common Stocks
- Traditional IRA
- Roth IRA
- SEP IRA
- Simple IRA
- 529 College Savings Plans
- Exchange Traded Funds (ETF’s)
- Mutual Funds
- Government Securities
- Master Limited Partnerships (MLP’s)
- Real Estate Investment Trusts (REIT’s)
- Annuities
FINANCIAL PLANNING
Financial planning may involve a number of different strategies, however the overall goal is to determine how to grow, protect, and distribute one’s wealth. In building a financial plan, we help clients establish their financial goals, determine their assets and liabilities, and evaluate their current financial position. With that as a starting point, we can develop and implement a plan, focusing on the client’s long-term goals. We can help with the following:
- Retirement Plans
- Tax Plans
- 401(k) Planning
- 403(b) Planning
- College Plans
- Estate Plans
INSURANCE
Many clients are unsure what type or what level of insurance they need. In developing a comprehensive financial plan, we can help clients address their insurance needs and determine appropriate options, including:
- Term Life Insurance
- Whole Life Insurance
- Guaranteed Universal Life Insurance
- Wealth Transfer Strategies with Life Insurance
- Long-Term Care Insurance