CMH Wealth Management, LLC (CMH, the Firm, we, us, our) is an investment advisor providing
discretionary investment management services to individuals, high net worth individuals, trusts,
estates, charitable organizations, foundations, limited partnerships, corporations, and business
entities. CMH offers its services for a fee based upon assets under management.
CMH was founded in 2009. It is organized as a limited liability company under the laws of the
State of New Hampshire and is registered with the Securities and Exchange Commission (the
“SEC”) as an investment advisor. Registration with the SEC does not imply a certain level of skill
or training.
CMH was founded by Brian P. Carolan, Karen R. McCloskey and Kristen L. Hanley. The Principals
of the Firm are Brian P. Carolan and Karen R. McCloskey.
Investment Management Services
We allocate client investment management assets, on a discretionary basis, among mutual
funds, exchange traded funds, individual debt (bond) and equity (stock) securities in accordance
with your individual investment objectives. We may only implement investment management
recommendations after you have arranged for and furnished us with all information necessary
to determine the most appropriate and suitable investment strategy. This strategy is
documented in the Strategic Investment Allocation and validated by the Investment Policy
Statement which is provided to you at outset of our relationship and reviewed and updated
periodically. Clients must notify CMH should there be changes to their circumstances, including
but not limited to, financial means, risk tolerance or other.
Wealth Management services are provided at the discretion of CMH and may not be
appropriate for every client. Services may include, but are not limited to, providing advice and
guidance in planning areas such as investment management, financial, retirement, estate, tax,
insurance, and charitable planning. CMH does not serve as an attorney or accountant and no
portion of our services should be construed as legal or accounting services. CMH does not
prepare estate planning documents or tax returns.
Tailored Relationships
We tailor investment management services to your individual needs. We accept any reasonable
limitation or restriction on the account placed by you. All limitations and restrictions placed on
accounts must be presented to us in writing.
Wrap Fee Programs
We do not sponsor or recommend Wrap Fee Programs.
Fiduciary Statement
We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment
advice to you regarding your retirement plan account or individual retirement account, we are
also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act,
(“ERISA”) and/or the Internal Revenue Code, (“IRC”), as applicable, which are laws governing
retirement accounts.
We have to act in your best interest and not put our interest ahead of yours. At the same time,
the way we make money creates some conflicts with your interests. We must take into
consideration each client’s objectives and act in the best interests of the client. We are
prohibited from engaging in any activity that is in conflict with the interests of the client. We
have the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial
circumstances, and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented
in an accurate manner;
• To have a reasonable basis, information, and understanding of the facts in order to
provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably.
Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud a client;
• Making any untrue statement of a material fact to a client or omitting to state a material
fact when communicating with a client;
• Engaging in any act, practice, or course of business which operates or would operate as
fraud or deceit upon a client; or
• Engaging in any manipulative act or practice with a client.
We will act with competence, dignity, integrity, and in an ethical manner, when working with
clients. We will use reasonable care and exercise independent professional judgement when
conducting investment analysis, making investment recommendations, trading, promoting our
services, and engaging in other professional activities.
Client Assets
As of January 13, 2023, we had $555,943,736 in assets under management. All assets are
managed on a discretionary basis.