Ethical Service

Fiduciary Duty

CIM serves you and you alone so you can achieve your financial goals. As a registered investment advisor, CIM is obligated to place your interests above its own. Advisors with CIM have also pledged to abide by the CFA Institute Code of Ethics and Standards of Professional Conduct.

Fee-only, Transparent Pricing

There is no reason to worry about your investment manager incentivized by commissions or rebates. You advisor receives compensation only from you, the client, with all fees explained as transparently as possible and agreed upon upfront.

Independent Advice

Being independent means I am free to tailor an investment plan to your unique needs and goals. There is neither pressure to push you into company-sponsored investment programs or products, nor any restrictions to avoid other company’s offerings.

Conflicts of Interest

Always be aware of conflicts of interest when purchasing products or services. A conflict of interest exists when the interests of the sales representative conflicts with yours. You want the best product or service that satisfies your need. The sales rep may have a financial incentive through commissions or bonuses that may incentivize their own benefit rather than yours. That’s not to say that anyone who has an incentive different from yours can’t be trusted. It just means we all need to understand reality to make an informed decision. As a fiduciary I am legally and ethically bound to avoid all conflicts of interest and to disclose all conflicts of interest that cannot be avoided. As a fee-only independent advisor, you don’t have to worry if my recommendation of an insurance coverage or securities is driven by my financial benefit. I have no incentive to promote, push, or sell any product.

Code of Ethics

As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the best interests of each Client. Our Clients entrust us with their funds and personal information, which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core aspect of our Code of Ethics and represents the expected basis of all our dealings. The firm also accepts the obligation not only to comply with the mandates and requirements of all applicable laws and regulations but also to take responsibility to act in an ethical and professionally responsible manner in all professional services and activities.

This code does not attempt to identify all possible conflicts of interest, and literal compliance with each of its specific provisions will not shield associated persons from liability for personal trading or other conduct that violates a fiduciary duty to advisory Clients. CIM’s Code of Ethics is outlined below:

Associated persons shall act with integrity, competence, diligence, respect and in an ethical manner with the public, clients, prospective clients, employers, employees, colleagues in the investment profession, and other participants in the global capital markets.
Associated persons shall place the integrity of the investment profession and the interests of clients above their own personal interests.
Associated persons shall use reasonable care and exercise independent professional judgment when conducting investment analysis, making investment recommendations, taking investment actions, and engaging in other professional activities.
Associated persons shall practice and encourage others to practice in a professional and ethical manner that will reflect credit on themselves and the profession.
Associated persons shall not disclose confidential Client information without the specific consent of the Client unless in response to proper legal process, or as required by law.
Associated persons shall promote the integrity and viability of the global capital markets for the ultimate benefit of society.
Associated persons shall maintain and improve their professional competence and strive to maintain and improve the competence of other investment professionals.

We periodically review and amend our Code of Ethics to ensure that it remains current, and we require all firm access persons to attest to their understanding of and adherence to the Code of Ethics at least annually. Our firm will provide a copy of its Code of Ethics to any Client or prospective Client upon request.