Timothy Cheng, CFA, MBA, CRPS
I started Cheng Wealth Management, LLC because I see a need within my community for quality investment management and financial planning. My goal is to grow your wealth and help you realize your plan for superior financial independence and success. Analysis begins with a holistic assessment of your situation and where you need to be. I review all financial products you own and the purposes of these products. We may then supplement your situation or optimize your situation with other tools. We will continuously plan for and implement according to the legacy you want to leave.
CFA. The Chartered Financial Analyst designation is the gold standard for the investment industry. Charterholders enjoy a mark of distinction throughout the world. The CFA program provides the strongest foundation in advanced investment, analysis, and real-world portfolio management skills.
MBA. The Ross School of Business, Ann Arbor, Michigan. Ross is consistently rated among the top 10 Business schools for Finance, Accounting, and more. As stated by Jerry Davis, the associate dean, “The mission of Michigan Ross is to make a positive difference in the world”
CRPS. The Chartered Retirement Plans Specialist designation is a program providing experienced professionals advising corporate retirement plans with supplemental knowledge to recommend and manage well-structured, company-appropriate retirement plans.
Cheng Wealth Management is a Registered Investment Adviser (RIA) firm registered with the State of California. You may find additional information about Cheng Wealth Management, LLC on the SEC’s websitewww.adviserinfo.sec.gov. The searchable IARD/CRD number for the firm is 170190. The SEC website also provides information about any persons affiliated with Cheng Wealth Management who are registered, or are required to be registered, as investment adviser representatives of our firm.
OUR PROCESS
Open and objective
Our business is to advise and we scour the marketplace for the best solutions to meet your needs (the best solutions will not lock you into products for any period of time). You are our only boss.
Our interests are aligned (there are NO conflicts of interest!)
I want to do what’s best for you and so, I’m set up to keep our interests aligned.
Fee Only
CWM aligns our incentives with you, the client. We do not have conflicts of interest such as potential commissions from selling products.
Fiduciary
CWM is held to a legal fiduciary standard which means we hold your interests above even our own. The rest of the financial industry is held to a suitability standard which means your interests are not number 1.
Custody
Our client’s investments are with a 3rd party bank custodian. Their duty is also to you, the client. And their responsibilities include tracking transactions made by me, the advisor.
Time tested and research driven approach
Our philosophy is heavily driven by academic research and has proven effective over the last 40 years. Our greatest tools are Dimensional Funds which are based on research of the Nobel Prize winning economists Eugene Fama, Ken French and Myron Sholes.