When it comes to investing, true wealth management goes beyond just matching investment models to a client. It requires good instincts; a disciplined, personalized strategy; expert insights; and, most important, a personal investment in learning about you.
At CSB, our investment management services are tailored for high-net-worth families in Des Moines and across the Midwest. We take the time to understand your broader financial picture, risk tolerance, goals, and legacy plans to create a truly customized investment road map, including strategies that other wealth managers may not offer.
Investment Options Beyond the Basics
Investing in a balance of stocks, bonds, mutual funds and ETFs can be an effective starting point for building a personalized wealth management strategy, depending on your individual financial goals. But you should expect more. Our approach to investing and asset management includes diversification, risk mitigation, tax considerations — and your investment horizons and evolving lifestyle.
Ways we work with you on investing your wealth include:
Portfolio Construction
We don’t use off-the-shelf portfolio models. We build your portfolio from the ground up, using
individual securities, tax-efficient funds, and adapt it over time to reflect changes in your life.
Tax Awareness
ROI doesn’t matter if your investment returns are eaten up by taxes. We focus on your investment results — after factoring in taxes. We use sophisticated
strategies like tax-loss harvesting, asset location and municipal bonds to minimize tax impacts in both the short and long terms.
Alternative Investments
Your timelines, goals, lifestyle and financial needs are different from anyone else’s. That means we work with you to tailor investments best matched to you,
including investment options that you may have not ever considered.
You should expect a lot from any investment advisor. CSB’s wealth management team takes the time to understand where you are today, where you’re going, and build a portfolio that helps get you there. Just as no two clients are the same, no two of our portfolios are the same either.