C
CWS Asset Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$5,163,707
Clients
14
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
14
TypicalAverage account size
$368,836
About
The firm provides investment advisory and planning services to individuals as well as businesses, estates and trusts, delivering portfolio management, retirement and college-savings guidance and assistance with employer-sponsored plans. Services are offered on an asset-based fee basis or on an hourly/ad-hoc basis, and the firm works with accounts held at major discount custodians.
The firm follows a passive, index-based, buy-and-hold approach that emphasizes low-cost mutual funds and ETFs, broad asset allocation informed by Modern Portfolio Theory, and periodic rebalancing rather than individual-stock selection or market timing. It does not use performance-based fees and generally avoids active trading.
Noteworthy characteristics include its very small scale as a single-advisor practice with a limited client roster and roughly $5 million in assets under advisement, and that the principal maintains a separate long‑standing full-time role as an economics instructor, which the brochure notes occupies substantial weekly hours during the academic year. The firm is fee-only (no commissions), typically requires clients to custody accounts at major custodians and defers proxy voting to fund boards, and offers both ongoing management and lower-cost hourly or annual financial-planning options.
Client services
Financial planning
Portfolio management
Trust asset management, college funding, cash flow analysis, debt management, taxable investment accounts
Trust asset management, college funding, cash flow analysis, debt management, taxable investment accounts
Expertise
Passive / index investing
Retirement income strategy
General retirement planning
Occupation focus
Educators, Teachers, and Academics
Fee options
$200 per year for financial plan
$0 - $79,999.99: 0.50% (50 basis points) $80,000 - $149,999.99: 0.45% (45 basis points) $150,000 - $599,999.99: 0.40% (40 basis points) $600,000 - $999,999.99: 0.35% (35 basis points) $1,000,000+: 0.30% (30 basis points)
$100 per hour
Minimum fee: $600 per year minimum annual fee Fee-only: $100 per hour for hourly services; $200 per year for financial plan
Main office location
CWS Asset Management
Visalia CA, United States
Number of offices
1
Most active in
CWS Asset Management has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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