Our Services

At CIAPM, we provide comprehensive fiduciary guidance and disciplined investment management for individuals and families seeking long-term financial stability, income, and clarity.

Disciplined Portfolio Management

We build and manage portfolios rooted in conservative, time-tested principles — emphasizing high-quality companies, reduced volatility, and consistent income generation. Our objective is to help clients meet long-term goals with confidence, discipline, and stability.

Cash & Investment Management

We manage cash flow, liquidity, and account allocations to ensure every client’s financial picture remains balanced and aligned with their goals. From IRAs to taxable accounts, our team oversees the full financial landscape with a coordinated strategy.

Retirement Income & Plan Distribution Analysis

We guide clients through the transition from saving to spending, optimizing income strategies across IRAs, joint accounts, employer plans, and other qualified assets. From RMD planning to tax-efficient withdrawals, we help ensure your retirement income is built to last.

Estate Planning Support

We help you prepare the structure and strategy behind your estate plan before you meet with an attorney, ensuring clarity around beneficiaries, asset flow, and legacy goals. Our guidance helps simplify decisions and protect heirs from unnecessary complexity.

Insurance Guidance

As a complement to your overall plan, we provide insight into whether life insurance or annuity contracts may support income protection, estate goals, or long-term security for your family.

Investment Education for Every Generation — On Your Terms
While we manage your portfolio, we also offer optional guidance for your children and grandchildren. Without sharing any personal financial details, we can help them understand key investment concepts and the principles behind your long-term strategy — supporting confident future decision-makers while honoring your privacy.

Ready to Build a Conservative, Income-Focused Retirement Plan?

✔ Explore how much monthly income your IRA could generate
✔ Review a disciplined, fiduciary-led approach to managing your assets
✔ Get guidance tailored to your goals and retirement timeline

Schedule a 15-minute consultation to get started.