Comprehensive Wealth Management - CWM

07/19/2026

𝗙𝗿𝗼𝗺 𝘁𝗵𝗲 𝗱𝗲𝘀𝗸 𝗼𝗳 𝗖𝗵𝗶𝗲𝗳 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗢𝗳𝗳𝗶𝗰𝗲𝗿 𝗠𝗼𝗿𝗴𝗮𝗻 𝗔𝗿𝗳𝗼𝗿𝗱:

Historically, markets during midterm election years have often been volatile in the first three quarters leading up to Election Day. Markets frequently reach a meaningful low sometime between July and October. Following the election in November, markets have historically gained momentum with the following 12 months producing positive returns in nearly every modern election cycle.

Rather than trying to time the market around elections, history generally supports staying invested. For long-term investors, elections (and current geopolitical events) tend to create short-term headlines but rarely alter long-term market trends. Maintaining a diversified portfolio aligned with your financial plan has historically been a more reliable strategy than making investment decisions based solely on election outcomes.

07/17/2026

QQ: If your plan only needs 5%....why are you taking 10% risk? 🤔

This is one of the most overlooked ideas in investing.

Most people build portfolios based on what the market 𝘤𝘰𝘶𝘭𝘥 return... not on the 𝗿𝗲𝗮𝗹 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 their life actually requires.

But those are two very different things.

If your financial plan shows you only need ~4-5% to reach your goals:
• Why introduce unnecessary volatility?
• Why chase returns you don't need?
• Why risk disrupting a plan that already works?

More risk doesn't always mean better outcomes. Sometimes it just means a bumpier ride... and more chances to make emotional decisions.

The goal isn't to maximize returns, it's to maximize the probability of your plan working. That starts with knowing your number.

Because when your portfolio aligns with your life, everything gets simpler.

07/17/2026

The market doesn't care about your timeline. It doesn't know you're retiring in 3 years. It doesn't know your kid just started college, or that you finally paid off your house.

𝗧𝗵𝗮𝘁'𝘀 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝘆 𝘁𝗵𝗲 𝗽𝗹𝗮𝗻 𝗵𝗮𝘀 𝘁𝗼.

The clients who sleep well during volatile markets aren't the ones with the "best" portfolio. They're the ones who build a plan around their LIFE, not just their money.

Resilience in personal finance isn't about predicting what the market will do next. It's about being prepared for the fact that you can't.

That means:
--> Knowing which accounts you'd draw from first and why
--> Understanding how your income holds up if the economy softens
--> Having a plan that doesn't require a perfect market to work

The goal isn't to beat the market. It's to not be beaten by it.

If your financial plan only works when conditions are good, it's not really a plan, it's a bet.

07/14/2026

𝗙𝗿𝗼𝗺 𝘁𝗵𝗲 𝗱𝗲𝘀𝗸 𝗼𝗳 𝗖𝗵𝗶𝗲𝗳 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗢𝗳𝗳𝗶𝗰𝗲𝗿 𝗠𝗼𝗿𝗴𝗮𝗻 𝗔𝗿𝗳𝗼𝗿𝗱: It's rarely one obvious event that bursts an investment bubble. In fact, great bull markets often peak and turn down when conditions look most favorable. Timing the bubble burst? Not so simple.

07/12/2026

What Does a Wealth Manager Do???

Many people mistakenly assume that wealth management is primarily about picking stocks. In reality, a strong wealth management team is akin to a financial quarterback, helping clients understand the impact that retirement planning, tax strategies, estate planning, and cashflow management have on one another.

In our latest article, CWM advisor Chase Ferderer, BFA™ explores the function and role of a wealth manager and the value they can add to your financial life.

https://www.cwmnw.com/blog/what-does-a-wealth-manager-do

07/09/2026

Approximately 80% of current homeowners have mortgage rates below the current average of 6.43%. This "lock-in effect" continues to weigh on housing activity, as homeowners who move are likely to face a significantly higher borrowing cost.

07/07/2026

𝗙𝗿𝗼𝗺 𝘁𝗵𝗲 𝗱𝗲𝘀𝗸 𝗼𝗳 𝗖𝗵𝗶𝗲𝗳 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗢𝗳𝗳𝗶𝗰𝗲𝗿 𝗠𝗼𝗿𝗴𝗮𝗻 𝗔𝗿𝗳𝗼𝗿𝗱:

Mag-7 stocks have quietly stumbled from May through June, even though the broader market barely noticed. All seven have moved lower in recent months, some struggling since last September. But don't mistake this for weakness, there's nuance...🧵🧵🧵🧵🧵in comments

07/06/2026

Should You Take the Offer???

Voluntary retirement packages present an opportunity for careful analysis of your plan. Check out this article from Jason Heid, CFP® on the 9 things to consider about voluntary retirement packages: https://www.cwmnw.com/blog/should-you-take-the-offer-9-things-to-consider-about-a-voluntary-retirement-package

07/01/2026

Before you head into the holiday weekend, take a moment to protect yourself online. Holiday weekends are a popular time for cybercriminals, who often take advantage of busy schedules, increased travel, and online shopping.

Keep these cybersecurity best practices in mind:
➡️ Think twice before clicking links in unexpected emails or text messages
➡️ Avoid accessing sensitive information on public Wi-Fi
➡️ Enable multi-factor authentication across accounts and apps
➡️ Keep your devices updated with the latest security patches

Just a few extra moments of caution can help safeguard your personal and financial information.

Wishing you a safe, relaxing, and happy Fourth of July!

06/26/2026