CTS Financial Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CTS Financial Planning serves individual and high-net-worth clients with comprehensive financial planning, retirement planning, investment planning, and discretionary asset management, and also provides accounting and income tax preparation services. As of September 30, 2025 the firm reports $313,859,000 in discretionary assets under management for roughly 249 clients and operates with a four-person advisory team.
The firm’s investment approach emphasizes technical and cyclical analysis and active, daily management rather than passive buy-and-hold strategies. Using proprietary programs such as CTS CAMP and CTS RAMP, CTS applies diversified asset-allocation models, sector rotation systems (across equities and bonds), and the ability to move into cash or use short positions with the stated aim of limiting downside risk.
CTS is distinctive among similarly sized teams for combining investment advisory services with in‑house tax and accounting capabilities (tax work supervised by an Enrolled Agent) and for maintaining an affiliated insurance agency whose licensed personnel may sell commission-based insurance products. The firm’s long operating history (founded in 1972), use of independent managers, and institutional custody relationships (including Schwab and Nationwide Securities) accompany a relatively high assets‑per‑client profile for a compact advisory team.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
$500 to $7,500 fixed fee
$0 - $250,000: 2.00% $250,001 - $500,000: 1.75% $500,001 - $750,000: 1.50% $750,001 - $1,000,000: 1.25% $1,000,001+: 1.00%
$125 to $500 per hour
Account minimum: $50,000 for mutual fund portfolios and $150,000 for individual equity portfolios (may accept smaller portfolios at discretion)
Main office
See office737 North Michigan Avenue, Suite 2120
Chicago IL 60611
Advisors at this office
3
Offices (2)
Most active in
California · Florida · Illinois · Texas · Wisconsin
Also doing business as
Certified Tax Service Inc · Certified Tax Service, Inc. · Cts Financial Group · Cts Financial Planning, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
Quick links
Advisors at this firm
Christopher M
CFP®, Series 63, Series 65
Chicago, IL
CTS Financial Planning, Inc.
Christopher Much is a CFP® professional with 18 years of experience in financial advising. He has worked at CTS Financial Planning, Inc. since 2013 and also has a background at Certified Insurance Consultants, Inc. since 2012. Much holds Series 63 and Series 65 licenses. CTS Financial Planning serves individual and high-net-worth clients with comprehensive financial, retirement, and investment planning, along with discretionary asset management and in-house tax preparation services. The firm employs an active, technically driven investment approach and integrates tax and accounting capabilities within a small advisory team managing over $313 million in assets.
Jonathon M
ChFC®, Series 65
Chicago, IL
CTS Financial Planning, Inc.
Jonathon Much is a financial advisor at CTS Financial Planning, Inc. in Chicago, IL, with 10 years of industry experience. He holds the ChFC® designation and a Series 65 license. Much has been with CTS Financial Planning since 2015 and also worked at Certified Insurance Consultants, Inc. from 2015 to 2020 and again from 2020 to the present. CTS Financial Planning serves individual and high-net-worth clients with comprehensive financial, retirement, and investment planning, along with discretionary asset management and in-house tax and accounting services. The firm emphasizes active, technical, and cyclical investment management using proprietary models to manage risk and incorporates tax and insurance services within its offering.
Todd M
CFP®, Series 63, Series 65
Westlake Village, CA
CTS Financial Planning, Inc.
Todd Much is a CFP® professional with 28 years of industry experience. He has been with CTS Financial Planning, Inc. since 1981 and has also worked at Certified Insurance Consultants, Inc. for over three decades. Todd holds Series 63 and Series 65 licenses. CTS Financial Planning serves individual and high-net-worth clients with comprehensive financial planning, retirement and investment planning, discretionary asset management, and accounting and income tax preparation services. The firm employs an active, daily management investment approach using proprietary models and combines advisory services with in-house tax and accounting capabilities.
Charles M
CFP®, Series 63, Series 65
Chicago, IL
CTS Financial Planning, Inc.
Charles Marien III is a CFP® professional with 28 years of industry experience. He has worked at CTS Financial Planning, Inc. since 1984 and has been associated with Certified Insurance Consultants, Inc. since 1989. CTS Financial Planning serves individual and high-net-worth clients with comprehensive financial planning, retirement planning, investment planning, and discretionary asset management, while also providing accounting and income tax preparation services. The firm employs an active, technically driven investment approach and integrates in-house tax and accounting capabilities alongside advisory services.
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