Welcome To CM Financial Strategies
Helping You Secure Financial Peace-of-Mind
Helping You Secure Financial Peace-of-Mind
At CM Financial Strategies, as your Trusted Advisor, we are focused on YOU – what is important to you and your family. We are dedicated to help and guide our clients down the path towards their financial and retirement goals.
Our firm’s solid commitment to our clients are based on our strong Core Values:
Educating You– One of the greatest joy as your Trusted Advisor is the opportunity to share information and insights, while we engage in meaningful conversation with you. The more informed and educated our clients are, the better for your financial peace of mind.
Understanding Your Values and Goals – As we engage in meaningful conversation, we will ask questions that will help you co-create a more compelling vision of your future so you can make the best possible choices so your vision of the future has the highest probability of becoming reality. With our help facilitating, you will more thoroughly and clearly define your goals than you ever have in the past.
Service– Our commitment to our clients start with our desire to have a relationship last a lifetime. We are not focused on building our numbers or faceless accounts. We focused on our customers to become as comfortable and friendly with us as they want to be.
Our firm’s solid commitment to our clients are based on our strong Core Values:
Educating You– One of the greatest joy as your Trusted Advisor is the opportunity to share information and insights, while we engage in meaningful conversation with you. The more informed and educated our clients are, the better for your financial peace of mind.
Understanding Your Values and Goals – As we engage in meaningful conversation, we will ask questions that will help you co-create a more compelling vision of your future so you can make the best possible choices so your vision of the future has the highest probability of becoming reality. With our help facilitating, you will more thoroughly and clearly define your goals than you ever have in the past.
Service– Our commitment to our clients start with our desire to have a relationship last a lifetime. We are not focused on building our numbers or faceless accounts. We focused on our customers to become as comfortable and friendly with us as they want to be.
Reduce Your Financial Risk In Retirement
Watch Our Video To Learn More
Watch Our Video To Learn More
About Us
Cathy Mendoza
Financial Advisor
Financial Advisor
Cathy Mendoza is the Founder of CM Financial Strategies – a financial services company with a mission of “Helping You to be the Best CEO of Your Financial Life.” She is an Investment Adviser Representative of a Tenneessee-based Registered Investment Advisor, Virtue Capital Management (https://www.virtuecapitalmanagement.com), a client-centric, hands-on registered investment advisory firm with proven, specialized financial models addressing each client’s unique investment goals.
Cathy has over 20 years’ Experience in Corporate Finance as Controller/Director of Accounting of the E-Commerce Division of a Fortune 50 Publicly traded company – wherein she managed Corporate Assets, Tax and Accounting areas. Her Corporate role allowed her oversee Design and Implementation, Administration and Compliance for Qualified Retirement Planning, 401k Plans, and Comprehensive Employee Benefits Plan from small to large companies.
Cathy has educated and enlightened Bay Area residents on how to protect, preserve, and pass on wealth to their families through classes at colleges, libraries and businesses.
Cathy has over 20 years’ Experience in Corporate Finance as Controller/Director of Accounting of the E-Commerce Division of a Fortune 50 Publicly traded company – wherein she managed Corporate Assets, Tax and Accounting areas. Her Corporate role allowed her oversee Design and Implementation, Administration and Compliance for Qualified Retirement Planning, 401k Plans, and Comprehensive Employee Benefits Plan from small to large companies.
Cathy has educated and enlightened Bay Area residents on how to protect, preserve, and pass on wealth to their families through classes at colleges, libraries and businesses.
Our Financial Services
What We Do For Clients At CM Financial Strategies
What We Do For Clients At CM Financial Strategies
What We Offer
Retirement income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Asset protection
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservationof your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed through fixed income options!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed through fixed income options!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed through fixed income options!
Estate maximization
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Qualified plan rollovers
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.
Here are four things you can do with the money in your employer sponsored retirement plan:
Let us help you determine if a rollover is the right move for you!
Here are four things you can do with the money in your employer sponsored retirement plan:
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!
What is Your Financial Score
Make Better, Smarter, Safer Choices & Financial Decisions With Your Investments
Make Better, Smarter, Safer Choices & Financial Decisions With Your Investments
Get in Touch With Us
Please give us your contact information and we’ll be happy to reach out to you.
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CM Financial Strategies
Email: cmendoza@cmfinancialstrategies.com Call: (925) 452-8286 Address: 11501 Dublin Blvd. Suite 200 Dublin, CA 94568 |