CMA Financial Services

CMA Financial Services serves individual investors (including high‑net‑worth clients), as well as trusts, estates and business entities, overseeing roughly 90 client relationships with a two‑advisor practice across two offices. The firm offers ongoing, primarily discretionary asset management alongside written financial planning engagements, and typically charges asset‑based fees for portfolio management while financial planning is offered for a fixed fee.

The firm combines fundamental, technical and charting analysis and implements a mix of long‑, short‑ and frequent‑term strategies to tailor portfolios to client objectives, allowing clients to impose reasonable investment restrictions. Notably, CMA uses options and other derivatives within separately managed accounts—including option‑writing strategies—which is a less common capability among peers and involves additional risk disclosures.

A distinctive aspect of the firm is its affiliation with an accounting practice, with documented cross‑referral arrangements and disclosures of related conflicts of interest; the firm also discloses that certain personnel engage in insurance and commission‑based broker‑dealer activities. As a relatively small, state‑registered adviser managing assets on a discretionary basis, CMA emphasizes individualized planning and direct oversight rather than participation in wrap programs.