CMH Wealth Management

CMH Wealth Management is a small, supported advisory firm with two advisors serving a concentrated client base (about 44 clients) comprised primarily of high‑net‑worth individuals and pension/profit‑sharing plans. It provides comprehensive financial planning and portfolio management, with written fiduciary acknowledgements for retirement accounts.

The firm tailors plans to individual client needs and uses a mix of analytical methods — including charting, fundamental, quantitative, technical analysis and modern portfolio theory — and implements both long‑ and short‑term trading strategies, including options and margin transactions. CMHWM generally limits investments to mutual funds, equities, ETFs, fixed income, annuities and TIPS, and offers both discretionary and non‑discretionary management as well as standalone fixed‑fee financial plans.

Noteworthy among peers, CMHWM sponsors and manages a wrap fee program (and treats wrap accounts the same as non‑wrap accounts), a relatively uncommon arrangement for firms of this size, and has an affiliation with an accounting practice (CMH Advisors, PLLC) whose personnel also provide tax and accounting services, creating potential operational integration and conflicts of interest. The firm also requires use of a specific custodian (Schwab Institutional), does not aggregate block trades across clients, and does not typically serve lower‑net‑worth individual clients, distinguishing its client focus and operational choices from many supported firms.