Private Wealth Management
Do you have Brokerage Accounts, 401(k)s, IRAs, or other retirement accounts?
Do you have children or grandchildren headed to college?
Do you have an upcoming liquidity event?
Is your stand-alone investment app not offering the type of personal service you are looking for?
We are a Chicago-based, fee-only wealth management and financial planning firm. No commissions. No hidden fees. No kidding.
SPEAK WITH A PARTNER TODAY
Your Interests Come First
Fiduciary standards are for your protection, which means we –
- Adhere to fiduciary standards and suitability standards, putting our clients’ interests first
- Deliver comprehensive financial planning
- Provide fee-only advice
- Do not accept commissions on investment services
- Offer transparency on costs, fees and terms
- Provide transparency on portfolios and investments
- Are independently owned and operated
- Do no create products to sell or price any public securities
Customized Investment Portfolios
Our Consolidated Asset Management Program allows large and small investors alike to access sophisticated money management techniques that can help them achieve long-term capital growth while also reducing exposure to volatile asset categories.
The program combines the benefits of asset allocation with our proprietary proactive selection system for both stocks and bonds.
About Us
CTS Financial Group has been in the financial services business for over 50 years, and we take great pride in helping clients achieve their financial goals. We’re a Chicago-based financial advisory and planning boutique that focuses on every client as an individual with unique needs.
Our advisors personally help coordinate your financial life, from wealth management, to financial planning. We also offer tax services, insurance planning, and retirement strategies.
We work with clients with $250,000 of investable assets and above. Wondering if you qualify? Give us a call.
You Work Directly With Our Partners to achieve your financial goals.
“At CTS, you will not be passed off to a junior member of the team. As a client, you have real, in-person relationships and work directly with the most senior members of our firm.”
Christopher Much | Chief Investment Officer | CTS Financial Group
Let’s Connect
You don’t need to wear a shirt with a collar on it, and you need not worry about a hard sell, arm-twisting session. We don’t operate like that. You just have to be in the mood to meet some people who will endeavor to take the financial stress off your plate, address your wealth management needs and help alleviate retirement concerns.
If this philosophy seems like something you’d like to learn more about, we hope you’ll set aside an hour to come in and meet with us face-to-face or via video conference if you prefer.
What Our Clients Say About Us
I've been very happy working with CTS the last several years. Prior to working with Todd and Jon, I had limited financial knowledge and wasn't managing my money well. CTS is a trusted, family-owned team with extensive knowledge and expertise. They provide loads of education, enabling me to achieve my financial goals. I always appreciate their flexibility and patience, making it very easy to get a hold of and/or meet with them. I also appreciate their transparency and thoughtfulness in the accounts they manage - they allow me to be as involved or not as I want when making trade decisions. They're extremely thorough in their reporting, making every transaction very clear and easy to understand. And ultimately, they are looking out for their clients' best interest which is all I can ask for. Highly recommend working with CTS!
- Elizabeth B.
The partnership of my family and the CTS group is now hitting 2 generations. My father and my financial advisor’s father worked (and still continue to work together!) together for over 30+ years. I am so grateful to be able to lean on and fully trust CTS and their strategic financial guidance. Jonathon is always wonderfully bright and kind during our meetings and ensures I understand his insights on my nest egg. He takes the time to understand my lifestyle and what is important to me and my family. Max, their lead tax advisor is approachable and takes times to explain all my tax questions. I have recommended the CTS team to several friends and anyone else who wants a sound, stable and wonderfully open and delightful team with strategic fiduciary leadership.
- Lyndsay G.
Initially, I was uncertain about which financial planner would be the right fit for me, so I visited multiple places to seek advice. Ultimately, I decided to choose CTS because of their exceptional personal approach. They took the time to understand my individual needs, considering my current life stage, and provided me with accurate advice. One thing that stood out to me was their ability to set realistic expectations, enabling me to handle market fluctuations without undue stress. Thanks to their support, I can now focus more on my job without worrying about financial uncertainties. Jon, Chris , and their team made me feel like an extended family member, always there to support me during crucial moments in life. I wholeheartedly recommend CTS Financial Group to anyone seeking reliable and personalized financial guidance.
- Atsuko K.
Our experience working with CTS Financial has been wonderful. Everyone in the office is there to answer your questions and offer advice. Their financial knowledge and experience along with their utmost confidence puts you at ease when you're investing and managing your hard-earned money. I have and will continue to recommend them to anyone looking for financial assistance.
- Paul and Mary W.
Years ago, fresh off a first, big promotion, I decided it was time for a financial advisor. My first try was a huge insurance firm. Followed by my Bank. Both turned out to be ill-fitting fits. Luckily, soon after a colleague turned me onto a small, boutique financial- services firm called CTS-Certified Tax Service - run by Mr.Todd Much. My career was Advertising, and numbers were not my thing, so help with taxes and investments was sorely needed. Over the course of forty years or so, I’ve turned to CTS for tax advice, investment advice, and legal recommendations. I’ve observed CTS grow to become CTS Financial Group, and include, among others, Jonathon Much, Chief Operating Officer and Christopher Much, Chief Investment Officer. Our family has benefited from sage financial advice, not only from Todd, but more recently from Jonathan, who has become our “go-to” advisor, especially for the “younger generation” including my Daughters! Over that time, CTS has provided us all with expert tax preparation and great investment advice as well!
- Phil G.
CTS Financial has successfully managed my portfolio and my taxes for the past fifteen years. While others struggled during turbulent times, CTS’ financial strategies and exceptional client focus have made us feel very secure. CTS focuses on your personal financial goals and helps implement strategies that help you reach those goals, even when the financial markets don’t always behave as we expect. In addition, we always greatly appreciate that the CTS team is available to clearly and patiently explain complex market strategies.
- Chris M.
CTS Financial Planning, Inc. (“CTS”) is an SEC registered investment adviser with its principal place of business in the State of Illinois. Registration does not imply a certain level of skill or training. For information pertaining to the registration of CTS, please contact CTS or refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). For additional information about CTS, including its fees and services, please send us a written request for our disclosure brochure. This newsletter is provided for informational purposes only. The information contained herein should not be construed as the provision of personalized investment advice. Information contained herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. Past performance is no guarantee of future results. Investing in the stock market involves the risk of loss, including loss of principal invested, and may not be suitable for all investors.
An index is a portfolio of specific securities whose performance is often used as a benchmark in measuring the performance of a specific asset class. Any references to a benchmark index are included for informational purposes only as it is not possible to directly invest in an index. The historical performance results of each index do not reflect the deduction of transaction and custodial charges, nor the deduction of an investment management fee, the incurrence of which would have the effect of decreasing indicated historical performance results. It should not be assumed that your account performance or the volatility of any securities held in your account will correspond directly to any comparative benchmark index.
This content contains certain forward-looking statements which indicate future possibilities. Actual results may differ materially from the expectations portrayed in such forward-looking statements. As such, there is no guarantee that any views and opinions expressed in this letter will come to pass. Additionally, this letter contains information derived from third party sources. Although we believe these sources to be reliable, we make no representations as to the accuracy of any information prepared by any unaffiliated third party incorporated herein, and take no responsibility therefore. For information about your particular account holdings, please review the statements you receive directly from the custodian of your accounts or contact us. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change without prior notice.
