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Independent, fee-based investment advice

A portfolio built for
your decade, not this quarter.

CDH Investments manages diversified portfolios around a written plan — not a reaction to yesterday's headline. We hold no proprietary funds, so every recommendation is made without a product to push.

Book a consultation → See how we invest
Fee-only advisory · No commissions on products sold · Fiduciary duty in writing
Sample allocation
A diversified portfolio, mapped
Balanced growth model, rebalanced quarterly
CORE
PORTFOLIO
● Equities ● Fixed income ● Real assets ● Cash reserve
$960Min assets under advisement
21years managing client portfolios
0proprietary funds sold to clients
340+households and business owners advised
What we manage

Planning first, portfolio second

Every allocation we build traces back to a written plan — a retirement date, a business sale, a tax bracket to manage around.

01

Discretionary Portfolio Management

Diversified accounts managed against a written investment policy, rebalanced on a schedule rather than on impulse.

quarterly rebalancing
02

Retirement Income Planning

Withdrawal sequencing, Social Security timing and longevity modeling built around the income you'll actually need.

30-year income model
03

Tax-Efficient Investing

Asset location, tax-loss harvesting and Roth conversion strategy coordinated with your accountant, not around them.

coordinated with your CPA
04

Business Owner Planning

Retirement plan design, buy-sell funding and exit planning for owners whose largest asset is the business itself.

exit planning included
05

Responsible & ESG Portfolios

Screened allocations for clients who want their capital directed with an explicit set of exclusions and priorities.

custom screening criteria
06

Alternative & Real Assets

Access to private credit, real estate and structured strategies for portfolios large enough to absorb reduced liquidity.

accredited investors
How an account is built

Four stages before a single trade is placed

Nothing gets allocated until the plan behind it exists in writing.

Stage 1

Discovery meeting

Cash flow, existing holdings, tax situation and what "enough" actually looks like for you.

Stage 2

Written investment policy

Target allocation, rebalancing rules and risk boundaries, documented before any account is opened.

Stage 3

Implementation

Accounts are funded and allocated according to the policy — not the manager's read of the market that week.

Stage 4

Ongoing review

Quarterly reporting and an annual plan review, with rebalancing triggered by drift, not headlines.

Research notes

Reading on markets and planning

Written by our advisory team for clients who want the reasoning, not just the recommendation.

Behavior Stock market chart on a screen
6 min read · Market cycles

Why the written plan matters more in a falling market

Rebalancing rules exist precisely for the moments they're hardest to follow. A look at what a drawdown does to an unwritten strategy.

Read the article →
Retirement Advisor meeting with retired couple
7 min read · Withdrawal order

The withdrawal order that decides how long money lasts

Taxable, tax-deferred, then Roth isn't always correct. The sequence that actually extends a retirement portfolio, with the reasoning shown.

Read the article →
Tax planning Financial documents and tax paperwork
5 min read · Roth conversions

When a Roth conversion is worth the tax bill today

Paying tax now only wins if the math actually favors it. A framework for deciding, rather than converting on a hunch.

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Business owners Business owner reviewing plans
6 min read · Exit planning

Why business owners plan their exit five years early

Valuation, buy-sell funding and personal liquidity rarely align on short notice. What the five-year runway is actually for.

Read the article →
ESG Wind turbines and renewable energy field
5 min read · Screening

What "screened portfolio" actually excludes, sector by sector

Screening criteria vary widely between providers. A transparent look at how our exclusion list is built and reviewed.

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Alternatives Private real estate development site
7 min read · Liquidity

The liquidity trade-off behind every alternative asset

Higher targeted returns tend to come with a lock-up period. How to size an allocation you won't need to touch early.

Read the article →
Client feedback

What clients say after a full plan review

Collected during our annual review process, shared with permission.

★★★★★

"The written investment policy is what finally stopped us from reacting to every market dip. We know exactly what triggers a change now, and it isn't the news."

Portrait of Richard M.
Richard M.
Client since 2016
★★★★★

"Our withdrawal order was completely wrong before CDH modeled it out. That single change added years to how long our savings will last."

Portrait of Grace and Alan D.
Grace & Alan D.
Retirement planning clients
★★★★★

"As a business owner, I'd never thought about my exit until CDH walked through the valuation and buy-sell funding gaps with me directly."

Portrait of Yusuf K.
Yusuf K.
Business owner client
★★★★☆

"I wanted my portfolio screened against a specific set of exclusions, and unlike other firms I asked, CDH actually built one instead of pointing me to a fund."

Portrait of Naomi F.
Naomi F.
Responsible investing client
★★★★★

"They coordinated directly with our accountant on the Roth conversion timeline instead of leaving us to relay numbers back and forth between two offices."

Portrait of Dennis P.
Dennis P.
Tax-efficient investing client
★★★★★

"No proprietary products, no pressure to consolidate accounts we didn't want to move yet. It's the first advisor relationship that's felt genuinely fee-only."

Portrait of Linda S.
Linda S.
Client since 2020

Ready for a plan before a portfolio?

Share a rough picture of your accounts, timeline and what you're planning toward, and an advisor will follow up to schedule a discovery meeting.

contact@cdhinvest.com
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Before you ask

Common questions

Yes. We act as a fiduciary at all times, in writing, which means every recommendation is legally required to be in your best interest rather than the one that pays us more.

Through a transparent fee based on assets under advisement, disclosed in full before any account is opened. We do not accept commissions on products or proprietary fund sales.

Our discretionary portfolio service generally starts at $250,000 in investable assets. Financial planning without ongoing portfolio management is available at a lower threshold — ask an advisor for current details.

No. A meaningful share of our clients are business owners in their thirties and forties building toward a future exit, not just households already retired.