CFP®, CEPA®, and CPA credentials working together — wealth building, retirement strategy, and business exit planning fully integrated with your tax plan. All under one roof.
The most common financial planning mistake isn't bad investments — it's advice given in a silo. Your financial planner recommends a Roth conversion without knowing your tax bracket. Your CPA files your return without knowing about your upcoming business exit. The left hand and the right hand never speak.
At CMLX, we hold both CFP® certification and CPA licensure. That means your tax strategy and your financial plan are built together, from the same set of assumptions, optimized for the same outcomes.
The result: a financial plan that is actually tax-efficient, and a tax strategy that is actually aligned with your long-term wealth objectives.
Fiduciary standard: As CFP® practitioners, we are held to a fiduciary standard. Our advice is built around your interests and your goals — not commissions or product sales.
Our CEPA®-certified advisors guide business owners through every phase of exit readiness — maximizing enterprise value, minimizing tax on the sale, and ensuring you exit on your own terms, on your own timeline.
More than picking a 401(k). We design retirement income strategies that consider tax brackets, Social Security timing, Medicare costs, and required minimum distributions to minimize lifetime tax.
Family business transitions, key-person risk management, and ownership transfer structures that protect the business, minimize taxes, and respect family dynamics.
Coordinate with your estate attorney to structure transfers that leverage exemptions, reduce estate tax exposure, and ensure your wealth transfers to the next generation — not the IRS.