CFM Horizon – Financial Road Map

Our proprietary Cash Flow Model seeks to create a visually straightforward roadmap which helps uncover opportunities, optimizes resources, and results in integrated, logical, forward looking perspective. Designed in-house and customized to each client, our model is critical to understanding the numerous components of our clients’ financial lives, while providing a sound basis for investment, estate, retirement, and tax planning.

Singular Investment Planning Process

We believe the only way to define risk is qualitatively AND quantitatively. CFM Horizon provides deeper insight than a traditional risk questionnaire. Where suitable, it charts a measurable and systematic means to gain a complete understanding of a client’s financial affairs, and quantify how much risk they need to take in order to arrive at the investment allocation that meets their objectives. By integrating this with the more subjective qualitative measures, our solutions-oriented investment planning process produces prudent strategic and tactical portfolios that help our clients focus on the things that are important to them.

Comprehensive Oversight

Because we believe that asset allocation* is a main driver of risk and return, we can monitor investment assets that are not held by our firm and report all holdings in a consolidated fashion. This approach provides the comprehensive oversight required in order to properly allocate a client’s portfolio for best possible outcomes.

*Asset allocation does not guarantee against a loss.

Fiduciary Duty

A fiduciary holds a legal or ethical relationship of trust. Fiduciary duty carries with it the highest standard of care as defined by the law. The majority of wealth management professionals and/or investment advisors ARE NOT fiduciaries and are bound by much less stringent regulations. Capital Advisors, Ltd. is a Registered Investment Adviser with the U.S. Securities and Exchange Commission (SEC), which means we are required by regulation to act in our clients' best interests.

Transparent, Predictable, Competitive Fee

Our fee is based upon investment assets under management is competitively priced and inclusive of financial planning.

Credentialed, Experienced & Tenured Team

Our team has over 230 cumulative years of experience in the wealth management industry, an average tenure at the firm of over 16 years, and hold 20 industry credentials including: CERTIFIED FINANCIAL PLANNER™ PROFESSIONALS, Chartered Financial Analyst (CFA®), Certified Public Accountant (CPA), Masters in Business Administration (MBA), Accredited Portfolio Management Advisor (APMA®), Accredited Investment Fiduciary (AIF®), Accredited Estate Planner (AEP®), and Chartered Mutual Fund Counselor (CMFC®).

Please Note: Limitations. The achievement of any professional designation, certification, degree, or license should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Capital Advisors, Ltd., LLC is engaged, or continues to be engaged, to provide investment advisory services.

Please Also Note: Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Capital Advisors, Ltd., LLC) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Capital Advisors, Ltd., LLC does not serve as an attorney, accountant, or insurance agent. Capital Advisors, Ltd., LLC does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Capital Advisors, Ltd., LLC’s representatives, in their separate licensed individual capacities, can be engaged to provide insurance sales/services as described on Capital Advisors, Ltd., LLC’s written disclosure Brochure (a copy of which is linked to this web site) per the terms and conditions of a separate engagement and fee.

Key Facts
  • Founded in 1991 as an independent, privately owned wealth management firm.
  • Dedicated to the Financial Planning Process, providing clients a fully integrated and comprehensive view of their financial affairs.
  • Our team has over 230 cumulative years of experience in the wealth management industry, an average tenure at the firm of over 16 years.
  • Firm members hold 20 professional and industry credentials.
  • We are fiduciaries. Fiduciary duty carries with it the highest standard of care defined by the law.
  • Our proprietary, customized financial pro forma, CFM Horizon - Financial Road Map gives clients a top down view of their financial affairs.