CCM Investment Management, LLC

CCM Investment Management, LLC provides portfolio management and financial planning to individuals, high‑net‑worth individuals, and business entities, overseeing roughly $20.5 million across its client accounts and maintaining an account minimum of $100,000. Services include preparing individualized Investment Policy Statements, discretionary portfolio management, and standalone financial plans.

The firm builds strategic asset allocations primarily through academic models and a mainly passive implementation with periodic rebalancing, supplementing those allocations with third‑party model managers and, for accounts without tax constraints, quantitatively based tactical active management. CCM documents client goals and risk tolerance in an IPS, seeks discretionary trading authority when appropriate, and uses methods such as modern portfolio theory, fundamental, cyclical, and quantitative analysis.

Distinctive operational features include participation in a wrap‑fee program for which CCM manages investments and requires wrap clients to use FOLIOfn Investments, Inc. as the custodian, and the firm may accept commissions for the sale of non‑variable life insurance, non‑variable annuities, and other life/health insurance products (insurance recommendations are non‑exclusive and may be obtained through unaffiliated brokers). CCM also does not aggregate or block trades across multiple client accounts, a practice that can affect trade timing and execution relative to many peers.