Personal service. Proven guidance. Built around your goals.
CDM Financial Services was founded with the goal of assisting our clients in every aspect of their financial lives. We’ve provided the most personal service available, thus earning a reputation for excellence in our industry. For each of our clients we strive to help create financial stability and security to provide financial independence.
Welcome
CDM Financial Services is an end-to-end map of your financial future and how to navigate what’s ahead. It’s our team’s process that makes the magic along the way, accommodating your style with the right level of detail and communication you deserve.
Schedule with Charles Melita
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Step 1: Discovery
Step 1- Start with your goals & values
- Establish what you need from an advisor
- Map out your current financial picture
Step 2: Strategy
Step 2- Evaluate what is needed to reach your goals
- Review red flags and opportunities
- A strategic plan to get you where you want to go
Step 3: Implementation
Step 3- Organize accounts for goal-based investments
- Complete additional planning areas
- Establish our plan for communication and connection
Explore the Planning Areas That Matter Most
Retirement planning can feel complicated. These resources help break down the key areas that matter most—protecting assets, creating income, managing taxes, coordinating benefits, and making confident decisions for the years ahead.
Personalized Retirement Strategy
A clear, customized planning process that ties together income, risk, taxes, benefits, insurance, and your personal goals—so each piece works together instead of standing alone.
Asset Protection
Approaches that prioritize downside awareness, planning guardrails, and resilience.
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Insurance Services
Solutions focused on protecting income, assets, and lifestyle across different life stages.
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Life Insurance
Coverage options that can support family protection, income replacement, and planning goals.
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Retirement Income Strategies
Build a retirement “paycheck” strategy designed for stability, flexibility, and longevity.
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Long Term Care
Strategies to help plan for care costs while protecting assets and retirement income.
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Financial Services
Planning, allocation, and guidance designed to support long-term goals and smarter decisions.
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Social Security
Timing and coordination choices that can materially affect lifetime retirement income.
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Tax Strategies & Preparation
Planning techniques that help reduce surprises and support smarter after-tax outcomes.
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Review Your Strategy
Not sure where to begin? Start with the full-picture planning conversation.
Start here →Not sure where to start?
Begin with a conversation. Clear Point Investments can help identify which planning areas matter most right now and how they may fit together in your retirement plan.
Start By Understanding Your Financial Profile
Knowing your Financial Profile can help you decide the next steps on your wealth journey. Don’t know where to begin? Start by understanding where your current plan is strong, where there may be gaps, and where there’s opportunity for improvement.
Planning
Strategy
CDM Financial Services is all about family
CDM Financial Services is all about family
Helping people like you discover true financial independence has been our passion for over 30 years. We’ve built lasting relationships based on trust, transparency, and a genuine commitment to your success.
