Cts Financial Planning, Inc.

CTS Financial Planning, Inc. is a Chicago-based firm established in 1972, specializing in individual tax preparation initially for executives and professionals in advertising and marketing. Services expanded to include personal financial planning, retirement planning, investment planning, insurance planning, and asset management. The firm is registered with the SEC and has $298,694,000 assets under management managed on a discretionary basis as of September 30, 2024. CTS offers comprehensive financial planning, retirement planning, tax planning, and preparation services. Investment management services include discretionary asset management primarily using mutual funds, ETFs, individual securities, and variable annuities. Clients have the option to engage Independent Managers for active discretionary management. CTS employs technical and cyclical analysis for investment strategies, focusing on risk reduction and proactive management to limit losses during market declines. The firm's investment philosophy aims to generate reasonable returns while managing downside risks. CTS charges fees based on assets under management, with annual fees ranging from 1.00% to 2.00% depending on the portfolio value. The firm also provides financial planning and consulting services on a fixed or hourly fee basis. Clients are required to enter into written agreements outlining the terms of engagement. CTS recommends the use of Charles Schwab & Co., Inc. for brokerage and clearing services. The firm receives support from Schwab to monitor client accounts and conduct business efficiently. CTS does not provide services for performance-based fees and does not vote client securities. Clients are encouraged to review account statements received directly from the custodian and compare them with reports from CTS.