CMT Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CMT Financial, doing business as Ideal Life Advisory, is a fee‑only, fiduciary wealth management firm that provides discretionary portfolio management and financial planning to individuals, high‑net‑worth individuals, and estates. The firm describes its primary focus as retirement, education, tax, risk‑management and estate planning advice alongside ongoing investment supervision.
The firm takes a consultative approach, customizing portfolios using mutual funds and exchange‑traded funds and rebalancing accounts based on clients’ objectives and risk tolerance under discretionary authority. In addition to ongoing asset management, Ideal Life Advisory offers standalone financial planning billed on an hourly basis and provides financial planning services at no additional charge to its investment advisory clients.
Notable operational features in the brochure include reliance on an unaffiliated back‑office provider for fee calculation and custodial access and an expressed policy of accepting no commissions, revenue sharing or finder’s fees. The combination of offering hourly standalone planning (an uncommon feature for firms in this regulatory category), fee‑only discretionary portfolio management for individuals, and explicit non‑sponsorship of private funds distinguishes its service and operational model from many peers.
Client services
Expertise
Fee options
1.00% annually
$325 per hour for financial planning services
Fee-only: Financial planning at $325 per hour
Main office
East Bethel MN
Advisors at this office
1
Most active in
Minnesota
Also doing business as
Cmt Financial · Cmt Financial, LLC · Ideal Life Advisory
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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