sfmadvisorgroup.com

Experience matters!

100+ combined years of proven data-backed Financial Strategies tailored to over 1,000 families!

VOTED SEVEN CONSECUTIVE YEARS

Our Services

INVESTMENT

Create an investment strategy that’s right for you.

RETIREMENT

Retirement Income & Cash Flow Planning

Build a coordinated retirement income strategy that integrates asset allocation, withdrawal sequencing, tax efficiency, and sustainability testing.

ESTATE

Estate & Wealth Transfer Planning

Structure wills, trusts, and wealth transfer strategies to protect assets, reduce tax exposure, and preserve multigenerational legacy.

INSURANCE

Risk Management & Insurance Planning

Evaluate insurance coverage and risk management strategies to protect income, assets, and long-term financial stability.

Your Ensemble Experience

A multi-dimensional lens to focus your financial future

Instead of a solo advisor, you’ll work with a team of collaborative specialists to optimize every aspect of your financial journey:

Tailored to You

Our Specialties

With experience, foresight, and an independent approach, Security Financial Management helps clients grow, optimize, and protect their assets and long-term legacies.

Goals Based Financial Planning

The foundation of your financial strategy begins with a comprehensive plan that aligns your resources with your goals and values. Our planning process includes:

Cash flow analysis and budgeting strategies
Education funding solutions
Retirement readiness assessment
Risk management evaluation
Preparing for unexpected financial obstacles

We continuously monitor and adjust your plan as your life evolves to keep you on track toward your most important objectives.

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Investment Management with Meaning

We build personalized investment strategies that reflect your goals and values.

Values-aligned investments
Long-term growth focus
Adapts to life changes
Tax-aware at every step
Consider tax implications at every decision point

Stay engaged and confident — whatever the market brings.

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Strategic Tax Optimization

Most advisors react to tax events — we anticipate them. Our forward-looking approach integrates tax planning into every financial decision, potentially saving you millions over a lifetime.

Forward-looking strategies that integrate tax considerations into every financial decision
Multi-year tax planning
Equity & executive compensation
Business exit strategies
Charitable giving structures

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Estate Planning and Protection

Your legacy should be a living plan, not a dusty document. We work alongside estate attorneys to craft strategies that reflect your values and evolve with your family.

Family governance frameworks that preserve harmony across generations
Values-based inheritance structures beyond the standard trust arrangements
Business succession planning
Educational experiences that prepare heirs for eventual wealth responsibility
Philanthropic architectures that extend your impact for decades
Digital asset protection for increasingly complex online portfolios

Working alongside your estate attorneys to bring your intentions to life.

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Business Consulting

For entrepreneurs and business owners, your company represents both your livelihood and a significant asset. Our business consulting services include:

Business valuation and exit planning
Succession strategies and implementation
Key employee retention planning
Risk management and continuity planning
Pre-sale preparation and positioning

We help maximize the value of your business while aligning your professional business decisions with your personal financial goals.

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Financial Psychology and Coaching

Financial decisions are often driven by emotions rather than logic. Our behavioral coaching helps:

Identify patterns in your financial decision-making
Develop strategies to overcome behavioral biases
Navigate emotionally charged financial transitions
Create healthy money habits and mindsets
Facilitate meaningful family conversations about wealth

Bridging financial knowledge and behavior — for better decisions.

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Tailored to You

Our Specialties

With experience, vision and independence, CD Wealth Management helps clients grow, maximize and protect their assets and legacies.

Your Ensemble Experience

A multi-dimensional lens to focus your financial future

Instead of a solo advisor, you’ll work with a team of collaborative specialists to optimize every aspect of your financial journey:

INVESTMENT

Create an investment strategy that’s right for you.

RETIREMENT

Retirement Income & Cash Flow Planning

Build a coordinated retirement income strategy that integrates asset allocation, withdrawal sequencing, tax efficiency, and sustainability testing.

ESTATE

Estate & Wealth Transfer Planning

Structure wills, trusts, and wealth transfer strategies to protect assets, reduce tax exposure, and preserve multigenerational legacy.

INSURANCE

Risk Management & Insurance Planning

Evaluate insurance coverage and risk management strategies to protect income, assets, and long-term financial stability.

SFM Process

We are dedicated to partnering with our clients in the pursuit of growing and preserving their wealth — with personalized strategies built around your unique financial journey.

Step 1

Discover Your Needs, Goals, & Current Financial Situation

When you schedule a free, no-obligation consultation with SFM, you’ll be invited in to meet with us in a relaxed setting intended for you to get to know us and for us to get to know you. In this meeting, we’ll identify your needs, goals, financial situation, and risk profile to determine how we can best serve you.

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Step 2

Design a Custom Financial Plan

Based on our initial consultation or "discovery meeting," as we like to call it, you'll be invited back in to hear recommendations we have regarding your investment strategy and how it ties in with your specific life goals. We'll even serve as a "quarterback" in communicating your estate planning and tax planning needs by collaborating with attorneys and accountants to ensure your goals are carried out. We also strive to go the extra mile and provide an Investment Policy Statement, outlining how your investments are going to be invested on a consistent basis.

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Step 3

Implement Recommendations

Upon receiving your approval of the financial plan that will have been designed specifically for you, we’ll move forward with implementing it by adjusting your portfolio, taxes, estate, and insurance accordingly.

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Step 4

Review Plan Post Implementation

After your plan has been implemented, we’ll set a time for you to review it and ensure it aligns with your life goals and make adjustments if necessary.

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Step 5

Monitor and Continually Adjust

We’ll monitor your investments for you and will periodically meet with you to review your investment performance and address any tax, estate planning, or life & survivorship needs you may have.

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Step 5 —Monitor and Continually Adjust

We’ll monitor your investments for you and will periodically meet with you to review your investment performance and address any tax, estate planning, or life & survivorship needs you may have.

Step 2 — Full Financial Analysis!

Evaluate your financial well-being with a thorough analysis of assets, liabilities, income, taxes, investments, and insurance

Step 3 — Implement Personalized Financial Plan!

Identify and address areas of concern by developing and implementing a financial plan that emphasizes strengths while reducing weaknesses.

Step 4 — REVIEW and Adjust Financial Plan

Review plan on a regular basis to accommodate changing personal circumstances and financial goals.

Step 5 —Monitor and Continually Adjust

We’ll monitor your investments for you and will periodically meet with you to review your investment performance and address any tax, estate planning, or life & survivorship needs you may have.