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Guidance Beyond Investing

We believe in providing our clients personalized and tailored solutions to fit their unique needs, and to offer the highest level of service. By working with us, you’ll gain clarity in how you want your wealth to work for you and peace of mind in knowing that we will focus on helping you ensure your family needs are fulfilled.

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Complete Wealth Managment

You’ve worked hard to build your wealth through diligent saving and smart investing choices. As you make progress toward your financial goals, it’s important to work with a trusted advisor who can provide a more complete approach to wealth management. Working together, we can help you with an array of resources to help you better understand and manage all aspects of your financial life, while helping you grow and protect your wealth. 

Portfolio Construction

Complement your portfolio with investments tailored to your unique situation.

  • Custom investment solutions
  • Tax-smart investments and guidance
  • Separately Managed Accounts
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Efficient Tax Planning

Tax planning is an essential part of investing that often gets overlooked. However, with the right strategies, you can significantly reduce your tax liability and increase your rate of return.

  • Tax loss harvesting
  • Tax overlay
  • Income distribution 
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Wealth Transfer

Establish your legacy with confidence.

  • Estate planning
  • Charitable giving
  • Advanced risk management/insurance strategies
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Pursue Your Goals With Confidence

At CBA, we differ based on the strength of our proprietary financial wellness system and processes -- giving plan participants the resources they need to achieve financial security.


Three decades of investing experience, through multiple market cycles. History allows for objectivity in uncertain times.


We differ based on the strength of our systems and processes-along with the discipline to the follow them.


Our "open architecture" approach with investment managers provides the objectivity and creativity needed to construct customized client portfolios.

Custom Portfolio Construction

Risk doesn't necessiarily equate to higher return. Following the guiding prinicples of  Modern Portfolio Theory (MPT), we use the systematic approach to constructing investment portfolios by emphasizing diversification and the relationship between risk and return. The four key elements of Modern Portfolio Theory are essential components in creating a well-balanced investment strategy.

  • Expected Return:
    • Anticipated gain or loss on an investment.
    • Key input in portfolio construction, helping investors assess potential returns.
  • Standard Deviation:
    • Measures the volatility or risk associated with an investment.
    • Emphasizes the importance of understanding and managing uncertainty.
  • Correlation:
    • Examines the relationship between different assets in a portfolio.
    • Aims to ensure that investments do not move in perfect synchronization, enhancing diversification benefits.
  • Efficient Frontier:
    • Identifies the optimal portfolio mix.
    • Maximizes returns for a given level of risk or minimizes risk for a given level of return.
    • Guides investors in achieving the best trade-off between risk and reward.

We use this methodology to provide our clients  with the balance of risk and reward, keeping in mind that100% risk doesn't = 100% return.

Efficient Tax Planning

At CBA, we understand the significance of tax-efficient investing, and our services extend to sophisticated strategies like Tax Management Overlays and Tax Loss Harvesting.

Tax Management Overlays involve implementing customized investment strategies to minimize tax implications and enhance after-tax returns. Our experienced financial advisors work closely with clients to integrate tax considerations seamlessly into their investment portfolios.

Tax Loss Harvesting, a proactive strategy aimed at strategically selling investments with losses to offset gains, thereby minimizing taxable income. By leveraging these advanced techniques, we aim to optimize your investment outcomes by effectively managing your tax liabilities. At CBA, we are committed to helping you navigate the complexities of the tax landscape, ensuring that your investment strategy aligns with your financial goals while minimizing the impact of taxes.

We focus on the importance of taxes in non-qualified portfolio/investing.

Wealth Transfer

We recognize the importance of strategic wealth transfer planning to help safeguard your legacy and ensure a seamless transition of assets to future generations. Whether you're considering estate planning, trust structures, or gifting strategies, we are here to guide you through the intricate landscape of wealth transfer.

We work collaboratively with our clients to develop personalized solutions that align with their values and long-term goals, ensuring that their hard-earned wealth is preserved and transferred efficiently. At CBA Pension, we prioritize the preservation of your legacy, offering the experience and resources needed to navigate the complexities of wealth transfer with confidence.

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