CB Investment Management (Main)

SUMMARY OF SERVICES

*All Services Include an Initial FREE Assessment ($497 Value)

"Comfortable Secure Retirement That You Can Track Throughout Your Life"

Comprehensive Discretionary Investment Management (CDIM)

Comprehensive Discretionary Investment Management (CDIM) is a type of investment service where a professional asset manager has

the authority to make investment decisions on behalf of their client without needing to seek their approval for each individual transaction. This is typically done under a pre-agreed Investment Allocation Process based on the client's suitability.

The goal of this type of service is to provide a hands-off experience for the client. Once the asset manager has the discretion to execute trades and adjust the portfolio, the client will have real time access, transparency, and accountability to the high standards of "Best Investor" metrics. In addition, the asset manager is available for deeper analysis and discussion.

There are a few key characteristics of CDIM:

Professional Management: The investments are managed by a professional with experience and expertise in the field, who understands client suitability.
Risk Management: The manager continually assesses the risk associated with various investment opportunities and aligns them with the risk tolerance of the client.
Time Efficiency: CDIM saves the client significant time as they do not have to make each individual investment decision.
Customization: While the manager has discretionary authority, the investment strategy is still personalized to each client's individual needs and suitability.
Compliance and Regulation: The asset manager must adhere to regulations set out by financial regulatory bodies, which adds a level of security for the client.
Performance Monitoring: The investment performance is monitored in real time and adjustments are made as needed.

The CDIM approach can be especially beneficial for high net worth individuals or entities with large amounts of capital to invest but lack the time or expertise to manage their investments in detail. It can also be helpful for individuals who may feel overwhelmed by the number and complexity of decisions that need to be made in a self-directed investment strategy.

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At CB Investment Management the preferred broker/custodian is Interactive Brokers, which is consistently a highly ranked and reviewed discount online Broker.

CB Investment Mangement is uncompromising in terms of preferring best in class services and third party counterparties. ww.ibkr.com shows in detail why it is the best in class online discount broker and custodian according to a broad range of services and rankings.

For the benefit of clients, CB Investment Management can consider other brokers, and can also execute held away accounts in a range of account types, 401k, 403b, for example.

Investment Options: Different brokers offer different types of investments. Some may only offer stocks and bonds, while others may offer a wider range of options including mutual funds, ETFs, options, futures, and forex.
Fees and Commissions: Brokers charge for their services in different ways. Some charge a flat fee per trade, while others charge a percentage of your investment. Some may have account maintenance fees or inactivity fees. It's important to understand the fee structure to avoid unexpected costs.
Trading Platform: Brokers provide different types of platforms for trading. Some are simple and user-friendly but offer limited analysis tools, while others are more complex and feature-rich.
Research and Education: Some brokers offer extensive research materials and educational resources, which can be helpful if you're a beginner or if you like to do your own research.
Customer Service: Quality of customer service can vary significantly between brokers. Good customer service can be very beneficial, especially if you encounter any problems or issues.
Account Types: Check whether the broker offers the type of account you need (e.g., individual or joint investment account, retirement account like an IRA or 401(k), custodial account, etc.)
Reputation and Regulation: The broker should be registered with and regulated by financial authorities like the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA) in the U.S.

As an investor, it's important to do thorough research and possibly consult with a financial advisor before deciding on the best broker for managing your account and finances.

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Review of your current Portfolio

A comprehensive review of your current investment portfolio involves an in-depth evaluation of several key aspects of your investments to ensure they are in line with both your suitability and also best practice.

Here are the key steps involved in a comprehensive portfolio review:

Investment Objectives: The first step is to clearly define your investment objectives. Make sure you are clear on this as everything flows from here.
Asset Allocation: This involves evaluating the distribution of your investments across different asset classes (e.g., stocks, bonds, cash, real estate, commodities etc.). The right mix depends on your suitability and optimal allocation process.
Diversification: This is the assessment of how well your investments are spread out across securities asset classes. Effective diversification leads to reduce risk and also higher return.
Performance Analysis: This includes comparing the performance of your investments using multiple metrics to both absolute returns and appropriate benchmarks over various time frames. For example, the performance of a stock portfolio might be compared to a benchmark such as the S&P 500 index.
Risk Assessment: It's important to understand the level of risk you're taking on with your current portfolio. This can involve looking at standard deviation (a measure of volatility), potential loss under adverse market conditions, and the beta of your portfolio (how it's likely to react relative to the market as a whole).
Cost Efficiency: Review the costs associated with your portfolio, including fund expense ratios, transaction costs, and any advisory fees. High costs can significantly eat into your returns over time.
Tax Efficiency: Consider the tax implications of your investments. Certain types of investments (like index funds or ETFs) can be more tax efficient than others (like actively managed mutual funds). The placement of investments in taxable versus tax-advantaged accounts can also affect your overall tax liability. Furthermore, hedging strategies can also lower your tax liability.
Constant Review of Individual Investments: Look at each investment in your portfolio to ensure it still merits inclusion. Consider the fundamentals of each investment (for individual stocks or bonds) or the strategy and management team (for mutual funds or ETFs).
Any investment process requires constant real time review. Risk and opportunity happens in real time.

After the comprehensive review, you should also have your own real time access to all assessments and activity in your account, including the ability to objectively verify your portfolio is on track with your investment objective. Real time transparency and accountability, for the investor, is essential.

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Cycle and Allocation updates

"Cycle" and "Allocation" updates in the context of investment management typically refer to periodic adjustments made to an investment portfolio in response to changes in the economic cycle and the need to maintain an appropriate asset allication.

Cycle Updates: Economic cycles, also known as business cycles, consist of periods of expansion and contraction in the economy. These cycles can affect various sectors and asset classes differently. For example, certain sectors like consumer discretionary and technology tend to perform well during periods of expansion, while others like utilities and consumer staples might perform better during contractions. A "cycle update" would involve adjusting the composition of the portfolio based on the current or anticipated stage of the economic cycle. For instance, if an economic contraction is anticipated, an investor might shift more of their portfolio into defensive sectors and less into cyclical sectors.

These updates are part of an active investment management process and require careful analysis of economic and market conditions, as well as a clear understanding of the investor's suitability and objectives. Regular cycle and allocation updates can help ensure that a portfolio remains well-positioned to achieve its objectives, regardless of changes in the economy or the investor's life.

Options Trading

Options trading involves buying or selling options, which are financial derivatives that give buyers the right, but not the obligation, to buy or sell an underlying asset (like a stock) at a predetermined price (the strike price) before a certain date (the

expiration date). Sellers, on the other hand, have the obligation to fulfill the transaction if the buyer chooses to exercise the option.

The simple benefit of buying an option on a security rather than the security itself is that the cost of an option is far below the cost of the security. So an option has predefined limited cost and can offer the prospect of asymmetricly higher expected gains relative to losses.

There are two types of options:

Call options give the holder the right to buy the underlying asset at the strike price before the option expires.
Put options give the holder the right to sell the underlying asset at the strike price before the option expires.

Options trading has several benefits:

Leverage: Options allow you to control a large amount of the underlying asset without needing to invest the full amount needed to own that asset. This leverage can amplify profits if the trade goes in your favor, while limiting losses if the trade goes against you.
Hedging: Options can be used to hedge against potential losses. For example, you could use put options to protect against potential losses in a stock you own. or enable a delay in tax liability into a different tax year.
Flexibility: Options can be combined in various ways (in strategies often referred to as spreads) to profit from different market conditions. For example, you can create strategies that profit if the market goes up, down, or even stays flat.
Income generation: If you own an asset, you can sell options against that asset to generate income. This is known as writing covered calls.

However, options trading can be complex and requires careful risk management. Therefore, it's important to fully understand how options work and to carefully consider your risk tolerance and investment goals before getting involved in options trading. Professional advice should be sought if necessary.

Seminars & Webinars

Discover a world of financial possibilities with CB Investment Management. We're dedicated to empowering you with the knowledge and tools you need to navigate the complexities of investing and personal finance. Our expert-led seminars

and webinars cover everything from basics of investing, retirement planning, options trading, to advanced portfolio strategies. Engage with experienced professionals in real-time, ask questions, and get insights tailored to your financial goals. Whether you're a seasoned investor or just starting out, our educational sessions are designed to help you make informed decisions and take control of your financial future. Join us at CB Investment Management, and turn knowledge into your greatest asset.

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Financial Planning & Advisory Services

"Conventional planning, in my view, is about wishful and dangerous thinking. You set a desired retirement-spending target (mine is a billion dollars a year) and are given an investment strategy with the highest chance of hitting that target. What if this potentially super risky strategy fails, leaving you dead broke?"

Economics Matters by Laurence Kotlikoff

Laurence Kotlikoff makes many valid points in the above article on conventional financial planning. This is a serious subject involving the financial prospects of individual for the rest of their lives, including the most vulnerable period of old age. Any analysis or tool used for long term financial planning needs careful consideration as regards its accuracy and the soundness of its assumptions.

Most high-net-worth investors need a more accurate calculation than standard tools. Your income will impact your capital, taxes, income and so on. Many calculators don't accurately adjust for the iterative consequences of any change or adjustment to your input data, or "what-if" simulations.

Many issues surround the typical "goals" based financial plan. To what extent do "goals" differ from a wild discretionary wishlist? While it can be helpful to have goals in life, this should not be the basis for life plan. A sounder approach is realized by orienting your financial plan to current income and assets, known additional cash flows and maximizing your long-term welath and income. This fact based initial plan involves fewer assumptions and is more directly related to your current situation. Once your base line factual plan is established there is plenty of scope to add in additional "what-ifs".

Another area of concern is that many financial plans are based on interest rate and inflation assumptions and are often used as a basis for investment recommendations. Such recommendations are very dangerous for a range of reasons.

Financial planners are not necessarily Investment specialists.
Investment returns are a very unreliable component of your financial plan results.
Avoiding inappropriate and even dangerous assumptions about risk and return is important.

Defaulting to the option of being invested solely in Treasury Inflation-Protected Securities creates a more reliable baseline. This baseline is a very low-risk and secure investment that can be more reliably calculated.

Make sure you adopt a fact based realistic base line financial plan with minimal assumptions first. Be very careful how you use this information to influence how you intend to invest. CB Investment Management can guide you through this very important long term financial assessment, towards a secure and reliable life and retirement.

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