Westlake Village, CA Office

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.