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Enduring Values for Changing Times

For better or for worse, change happens – to ourselves, our family, our world. CTM Financial offers confident wealth management, with solid touchstones to guide your way, with you, your family and your business as the focal points.


Learning Center

‘Sure Things’ to Watch for in 2017

  • February 21st, 2017

Larry Swedroe compiles his list of financial predictions to watch for the year. Every year, I like to keep track of the predictions “gurus” and other market observers make for the upcoming year, specifically the ones they say are “sure things.” It seems like no one in the financial media holds them accountable (which is…

“A State of Heart” Featuring Tim Maurer

  • February 13th, 2017

For some, fiduciary is just a headline. For us, “It’s who we are.” The word fiduciary has been in the news a lot of late, from Wall Street to Washington, but it’s a word that has always been part of our daily dialogue. Advisors who act as fiduciaries, as we do, are legally required to put the…

The Impact of Scale on the Performance of Active Managers

  • February 7th, 2017

Diseconomies of scale and their impact on active manager performance. There is a large body of overwhelming evidence that past performance is at best a poor predictor of active managers’ future performance. That is why the SEC requires that common and familiar disclaimer. There are many explanations for the difficulty that active managers face in…

©2017 CTM Financial