Ciovacco Capital Management, LLC is an independent financial advisor based in Atlanta, Georgia. CCM helps individual investors, large & small; achieve improved investment results via research and globally diversified investment portfolios. Since we are a fee-based firm, our only objective is to help you protect and grow your assets. Our long-term, theme-oriented, buy-and-hold approach allows for portfolio rebalancing from time to time to adjust to new opportunities or changing market conditions. When looking at financial advisors in Atlanta, take a hard look at CCM - Financial Advisor Atlanta. We offer service to clients nationwide.
Financial Advisor Atlanta - Nationwide Service
As an independent financial advisor in Atlanta, Ciovacco Capital Management can focus solely on doing what is best for the client and the advisor - helping your assets grow. Independence is important since there are no business relationships that may cause a potential conflict of interest, such as a financial incentive to reccommend a particular family of mutual funds or an IPO. When looking at financial advisors in Atlanta, take a hard look at CCM. We offer service to clients nationwide.
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Ciovacco Capital Management, LLC (CCM) is a fee-only Financial Advisor in Atlanta, Georgia. CCM provides comprehensive financial planning services to a select group of families and individuals. We are in the business of helping clients get the most out of the one life they have to live. Our firm helps clients develop specific financial goals and then assists them in reaching those goals by providing advice in the areas of risk management and insurance, income tax planning, retirement planning, investments and estate planning. Since the firm operates on a fee-only basis and does not accept commissions, our advice can remain completely objective.
Financial Advisors
According to the Bureau of Labor Statistics:"Financial analysts and personal financial advisors provide analysis and guidance to businesses and individuals to help them with their investment decisions. Both types of specialists gather financial information, analyze it, and make recommendations to their clients. However, their job duties differ because of the type of investment information they provide and the clients for whom they work. Financial analysts assess the economic performance of companies and industries for firms and institutions with money to invest. Personal financial advisors generally assess the financial needs of individuals, offering them a wide range of options. An advisor’s work begins with a consultation with the client, from whom the advisor obtains information on the client’s finances and financial goals. The advisor then develops a comprehensive financial plan that identifies problem areas, makes recommendations for improvement, and selects appropriate investments compatible with the client’s goals, attitude toward risk, and expectation or need for a return on the investment. Sometimes this plan is written, but more often it is in the form of verbal advice. Financial advisors usually meet with established clients at least once a year to update them on potential investments and to determine whether the clients have been through any life changes—such as marriage, disability, or retirement—that might affect their financial goals. Financial advisors also answer questions from clients regarding changes in benefit plans or the consequences of a change in their jobs or careers. A large part of the success of financial planners depends on their ability to educate their clients about risks and various possible scenarios so that the clients don’t harbor unrealistic expectations."
Ciovacco Capital Management, LLC is an independent financial advisor based in Atlanta, Georgia. CCM helps individual investors, large & small; achieve improved investment results via research and globally diversified investment portfolios. Since we are a fee-based firm, our only objective is to help you protect and grow your assets. Our long-term, theme-oriented, buy-and-hold approach allows for portfolio rebalancing from time to time to adjust to new opportunities or changing market conditions.
Christopher G. Ciovacco, Chief Investment Officer
In order to concentrate solely on long-term prudent investing and financial advice, Chris Ciovacco resigned from his post as a Financial Advisor with Morgan Stanley in 1999. Ciovacco Capital Management was soon born as a nimble, and cost-efficient LLC (limited-liability corporation). By offering significantly reduced rates to his clientele, and improved accessibility and service, Ciovacco Capital Management was able to build a sound asset base very rapidly. If you are looking for an independent money manager or Atlanta financial advisor, our firm is worth a look. We offer service to clients nationwide.
Chris worked as a Financial Advisor for Morgan Stanley in Atlanta for 6 years earning a strong reputation for his independent research and high integrity. Morgan Stanley gave Chris the opportunity to gain some valuable experience in evaluating stocks, bonds, mutual funds, options, commodities, insurance, estate & tax planning strategies, and retirement planning.
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Financial Advisor Atlanta
If you are interested in becomming a financial advisor, here is some information from the U.S. Department of Labor:Financial analysts and personal financial advisors provide analysis and guidance to businesses and individuals to help them with their investment decisions. Both types of specialists gather financial information, analyze it, and make recommendations to their clients. However, their job duties differ because of the type of investment information they provide and the clients for whom they work. Financial analysts assess the economic performance of companies and industries for firms and institutions with money to invest. Personal financial advisors generally assess the financial needs of individuals, offering them a wide range of options.
Financial analysts, also called securities analysts and investment analysts, work for banks, insurance companies, mutual and pension funds, securities firms, and other businesses, helping these companies or their clients make investment decisions. Financial analysts read company financial statements and analyze commodity prices, sales, costs, expenses, and tax rates in order to determine a company�s value and to project its future earnings. They often meet with company officials to gain a better insight into the firm�s prospects and to determine its managerial effectiveness. Usually, financial analysts study an entire industry, assessing current trends in business practices, products, and industry competition. They must keep abreast of new regulations or policies that may affect the industry, as well as monitor the economy to determine its effect on earnings.
Financial analysts use spreadsheet and statistical software packages to analyze financial data, spot trends, and develop forecasts. On the basis of their results, they write reports and make presentations, usually making recommendations to buy or sell a particular investment or security. Senior analysts may even be the ones who decide to buy or sell if they are responsible for managing the company�s or client�s assets. Other analysts use the data they find to measure the financial risks associated with making a particular investment decision.
Financial analysts in investment banking departments of securities or banking firms often work in teams, analyzing the future prospects of companies that want to sell shares to the public for the first time. They also ensure that the forms and written materials necessary for compliance with Securities and Exchange Commission regulations are accurate and complete. They may make presentations to prospective investors about the merits of investing in the new company. Financial analysts also work in mergers and acquisitions departments, preparing analyses on the costs and benefits of a proposed merger or takeover.
Some financial analysts, called ratings analysts, evaluate the ability of companies or governments that issue bonds to repay their debts. On the basis of their evaluation, a management team assigns a rating to a company�s or government�s bonds. Other financial analysts perform budget, cost, and credit analysis as part of their responsibilities.
Personal financial advisors, also called financial planners or financial consultants, use their knowledge of investments, tax laws, and insurance to recommend financial options to individuals in accordance with the individual�s short-term and long-term goals. Some of the issues that planners address are retirement and estate planning, funding for college, and general investment options. While most planners offer advice on a wide range of topics, some specialize in areas such as retirement and estate planning or risk management.
An advisor�s work begins with a consultation with the client, from whom the advisor obtains information on the client�s finances and financial goals. The advisor then develops a comprehensive financial plan that identifies problem areas, makes recommendations for improvement, and selects appropriate investments compatible with the client�s goals, attitude toward risk, and expectation or need for a return on the investment. Sometimes this plan is written, but more often it is in the form of verbal advice. Financial advisors usually meet with established clients at least once a year to update them on potential investments and to determine whether the clients have been through any life changes�such as marriage, disability, or retirement�that might affect their financial goals. Financial advisors also answer questions from clients regarding changes in benefit plans or the consequences of a change in their jobs or careers. A large part of the success of financial planners depends on their ability to educate their clients about risks and various possible scenarios so that the clients don�t harbor unrealistic expectations.
Some advisors buy and sell financial products, such as mutual funds or insurance, or refer clients to other companies for products and services�for example, the preparation of taxes or wills. A number of advisors take on the responsibility of managing the clients� investments for them.
Finding clients and building a customer base is one of the most important of a financial advisor�s job, because referrals from satisfied clients are an important source of new business. Many advisors also contact potential clients by giving seminars or lectures or meet clients through business and social contacts.
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