A Great Financial Plan Benefits Everyone

Contact an experienced Certified Financial Planner™

How We Help

Pre Retirement Planning

Pre Retirement Planning

It´s never too early to start planning for a successful retirement. Together we will develop a plan to help you reach all of your financial goals regarding retirement. Using investment strategies based on these goals, you can start securing your future financial success security now.

PLANNING DURING RETIREMENT

PLANNING DURING RETIREMENT

Having a plan during your retirement years is just as important as having one leading up to retirement. At CMC Wealth Management, we strive to create a secure, sustainable stream of income that will allow you to enjoy your retirement years, not worry about running out of money.

Risk Management

Risk Management

Everyone has a different appetite for risk when it comes to investing. That appetite also changes as our goals or situations change. At CMC Wealth Management, we recognize that managing risk is a very important part of the portfolio management process and also a major contributor to a successful retirement or investment plan.

Investment Management & Strategy

Our financial experts will help you create and understand your investment goals while creating a strategy to give us a high confidence of achieving those goals. Diversification, risk/return, tax efficiency, and cost are just a few of the lenses we use to help create a clear picture of what your investment management strategy should be. At CMC Wealth Management, your financial goals become our goals, and we are dedicated to helping you achieve them.

Estate Planning & Wealth Transfer

Estate Planning & Wealth Transfer

Our team will work with you to create and structure an estate plan that seamlessly aligns with your values and desires. Our experts have extensive experience in advising families on topics such as personal trusts, foundations and multi-generational wealth transfer techniques.

Divorce Financial Planning

CMC Wealth Management is uniquely positioned to advise clients through the painful divorce process. We have extensive experience when it comes to valuing assets and planning for this monumental life change. No one plans to go through a divorce but having a financial advisor can be a distinct advantage when navigating the process.

Tax Planning & Philanthropic Planning

For many clients, sharing their wealth and values has always been a large part of the plan. CMC Wealth Management can help you define your philanthropic mission statement and identify the best strategies to ultimately achieve your charitable goals.

Insurance & IRA Resolution Planning

Insurance is a broad term that encompasses transferring many different types of risk to a third party. CMC Wealth Management does not sell any insurance products or represent any insurance companies, but we do recognize the importance of having appropriate, affordable and sustainable insurance. Be it health, life, property or even umbrella coverage, we will advise you on your current policies and offer suggestions to make your coverage fit into your overall financial plan.

MANAGING THE EMOTIONAL SIDE OF INVESTING

One of the things that causes shortfalls or underperformance in any investment portfolio is making decisions based on emotions. Emotions can cause investors to deviate from their plan and ultimately reduce the overall probability of success. At CMC Wealth Management, we use strategies that remove emotions from the process and therefore reduce the stress many investors experience concerning their portfolio.

A Certified Financial Planner™ can help you create a roadmap to financial independence and financial peace.

CMC Wealth Management, LLC is an independent financial planning and Registered Investment Advisory (RIA) firm based in Lexington, South Carolina. Our firm specializes in retirement planning, divorce financial planning, portfolio risk management, as well as insurance and estate planning.

Charles M. (Chuck) Crouch, Jr. founded CMC Wealth Management, LLC in 2019. His 25 plus year career has afforded him unique, diversified experience in the financial services industry. He is an accomplished presenter and has had the opportunity to present ideas to audiences ranging from small interactive groups to groups numbering into the thousands. He enjoys helping clients reach their goals through a careful, holistic planning approach with continued monitoring and management.

Chuck completed his undergraduate work at Charleston Southern University where he majored in Business Administration with a Minor in Economics. He received his Master of Business Administration (MBA) from the University of South Carolina in 1999. He earned the Certified Financial Planner™ certification in 2007 and continues to hold that prestigious designation.

What Sets Us Apart

Our firm is Sized to Fit our Client´s Needs

When it comes to finding the right firm to work with for financial advice, size does matter. CMC Wealth Management has never put growth ahead of our clients´ needs. We only take on new clients with the expectation of being available whenever and wherever we are needed. We truly strive to be a financial partner, not just a consultant or order taking ¨broker.¨

Managing Downside Risk is Paramount

Downside risk is defined as how much value an account can be expected to lose in a poor market cycle. We believe managing this risk is just as important as managing for growth. As clients age, the time they have to recover from a significant decline in account value grows shorter. For this reason, our investment philosophy places heavy emphasis on keeping the gains we have already made for our clients while still participating in the positive moves of the overall market.

Income Planning

The biggest concern for retirees is not the fear of running out of money. According to recent studies, the number one concern of retirees is being able to maintain their standard of living in retirement. At CMC, we use that concern as the centerpiece of our income planning process. Managing expenses like healthcare and loss of buying power due to inflation are just a few of the overlooked variables to which we pay close attention.

Transparent

At CMC Wealth Management, we believe that a true partnership cannot exist without complete transparency. We ask a lot of our clients when it comes to information gathering as well as sharing needs, wants, and desires for their financial future. In return, we offer complete transparency when it comes to how we are compensated and how we propose to manage our clients´ assets and financial plan going forward. Surprises are seldom good when it comes to investing assets or planning for the future. We seek to eliminate those surprises through managing expectations and 100% transparency.

We Charge an Asset Based Fee

Our opinion when it comes to fees is that the structure must be transparent and participating. At CMC, we do not change commissions or transactional fees. Our compensation is based on the value of the assets we manage for our clients. You do not have to worry that you are being charged each time you talk with your financial planner or for each transaction like in many advisor firms. When our client´s account does well, everyone benefits. We are motivated to work for you and your best interests.

Having a Financial Plan will Benefit Everyone

How would you know how to drive to a destination you’ve never been to without a map?
The same is true when planning for your financial future. Without a plan, or map, it very difficult to arrive at your intended destination and even more difficult to avoid making a wrong turn along the way . We firmly believe that some version of a financial plan, be it extremely complex or very simple, is a must when it comes to achieving financial freedom and meeting your financial goals.

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