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INDEPENDENT, FEE-ONLY FINANCIAL PLANNING
& INVESTMENT MANAGEMENT

...

To help you strike a balance in your life between enjoying today and planning for tomorrow.

Our Story
...

Our Focus is on You, Not Just the Numbers


We started CGN Advisors because we felt there was a different way—a better way—to do financial planning and investment management. As a fee-only advisory firm, we don’t sell investment or insurance products, so we don’t receive commissions or kickbacks for making recommendations. We feel this minimizes conflicts of interest and is the most objective way to provide financial advice.  

Why CGN Advisors?


We don’t answer to a big corporation, like a brokerage firm or a mutual fund company. We work with clients on a fiduciary basis, meaning our loyalty is to you, our client. With a combined 50+ years of experience in financial services and investments, we understand that each clients' situation is unique, and therefore we do not offer "one size fits all" solutions.  

You have worked hard to get where you are, and to honor that, we work hard to keep you headed in the right direction.  We keep you accountable to your future self, so that you can focus on what matters mostthe life you are living today. 

A Collaborative Process With Approachable Professionals

Individuals & Families
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We’ll start by learning about you and the goals that are most important to you. We’ll collaborate with you to create a plan to align your finances with your goals to help you enjoy life on your terms.

 

Our Financial Planning Principles:


Create a long term plan 

Make a plan based on your unique financial situation. Review your plan regularly and make adjustments as needed. Stick to your plan for the long-term.

live within your means

Spend less than you earn and save diligently. Use productive debt to grow your assets and avoid consumer debt.

Protect the ones and your loved ones 

Build a proper emergency savings fund. Use insurance to guard against catastrophic losses. Use proper estate planning strategies to plan ahead.

Build a diversified portfolio of quality investments 

Invest for the long-term. Buy stocks of quality companies that have a proven track record of growth. Buy bonds of quality companies that generate income, provide for additional diversification and help control risk.

Enjoy life on your terms

Position yourself to be able to take family vacations, enjoy your hobbies, live your dreams, volunteer your time and give generously.

Ongoing Financial Planning
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At CGN Advisors, we believe clients receive the most value for comprehensive financial planning when services are provided in the context of a long-term, ongoing relationship. We provide the best advice when we have a full understanding of your whole financial picture and can adapt the financial plan as your life situation changes. Life changes in unexpected ways and so does your financial situation. As changes develop, you get real-time advice so that we can still make progress towards your financial goals. With the ongoing financial planning relationship, you never have to worry about extra fees when new financial questions come up. Dealing with new circumstances as they arise allows us to be proactive and adjust other parts of your plan. For these reasons, the ongoing financial planning service is our flagship service at CGN.  

Ongoing financial planning services typically range from $100-$300 per month.

 

Fixed Fee Packages
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We also recognize that for some situations, a more limited financial planning engagement is appropriate.  For this reason, we have developed one-time financial planning packages.

Comprehensive Financial Plan - $2,000

Our most thorough, holistic planning package. May include:

  • Savings requirements for your goals
  • Tax savings strategies
  • Investment portfolio analysis
  • Estate plan review
  • Retirement savings or withdrawal strategies
  • Pension annuity vs. lump sum comparison
  • Social Security analysis and timing
  • Comprehensive insurance analysis
  • College funding strategies

 Early Career - $1,000

Designed for young professionals to get on the right track. May include:

  • Cash flow management
  • Debt pay down strategies
  • Target savings amount for retirement
  • Employee benefit maximization
  • Insurance analysis
  • Investment allocation and recommendations

 Financial Checkup - $500

Complete a brief questionnaire, come in for a meeting, and receive a snapshot analysis and recommendation. May include:

  • Investment allocation
  • College savings options
  • Insurance review
  • Debt management
  • Saving strategies

 

Our financial planning services include specific investment recommendations that you can implement. We also offer ongoing investment management services for clients who wish to delegate the management of their portfolio to us. Learn more about our investment services.

We Are Passionate About Helping Our Clients Achieve Their Goals

Business Owners
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Company Retirement Plans

Company retirement plans require careful planning and implementation as well as ongoing oversight, guidance, and management. As an independent fiduciary, we work with employers to design a plan, identify service providers, and educate plan participants. We’ll develop and oversee a lineup of investment options, including professionally managed risk-based portfolios.

We are able to work with essentially any type of retirement plan, including but not limited to:

  • SEP IRA
  • SIMPLE IRA
  • Profit Sharing Plan (PSP)
  • 401(k) Plan
  • Individual 401(k) Plan (Solo k)
  • 403(b)
  • Pension Plan
  • Cash Balance Plan

We offer consulting and advisory services for business owners and entrepreneurs. As local entrepreneurs ourselves, we understand the complexities of starting, managing, and growing a business. Services can include advice on business structure, projections, growth & strategic planning, employee benefits, and risk analysis. We can also work with other professionals to create a team that can help with all your business needs.

Our financial planning services include specific investment recommendations that you can implement. We also offer ongoing investment management services for clients who wish to delegate the management of their portfolio to us. Learn more about our investment services.

Professionally Managed Portfolios That Focus On Risk Management And Controlling Costs

Institutions & Non-Profits
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We offer consulting and advisory services for non-profit organizations and institutions. Our team has been and are currently involved in various charitable organizations around the community, and as such, understand the unique challenges each organization faces. Services range from advice on organization structure and risk analysis to financial policies and guidelines. We work directly with your team and other outside professional advisors to create a team to surround your organization’s needs.

As part of the service we provide to institutions and non-profits, we can also make specific investment recommendations. We also offer ongoing investment management services for clients who wish to delegate the management of their portfolio to us. Learn more about our investment services.

Investments
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We’ll develop a personalized investment plan for you and then handle the day-to-day management of your portfolio.  

 

Our Investment Management Principles:


Long term focus 


Investing is a long-term endeavor requiring patience.  Avoid chasing trends and returns.

disciplined research-driven process


Following a consistent, repeatable process grounded in principles leads to success over time.

control costs


Keeping an eye on costs can make a difference over time.  Investment costs include internal expenses of mutual funds and/or ETFs, transaction costs and tax consequences.

risk-management


Focusing on diversification and quality can reduce volatility as well as risk of not reaching investment objectives.

active/passive management


As opposed to choosing between active or passive investments, efficiently constructing portfolios among active and passive investment, combined with active portfolio decisions can add excess risk-adjusted returns over time.

At CGN Advisors, we believe that the key to successful investment management lies within a long-term approach and a sound consistent research driven process. We provide professionally managed portfolios focusing on risk management and controlling costs. We have developed three core strategies which we offer along with a tactical asset allocation strategy. 

CGN Core Stock Portfolio

This strategy is intended to provide an active “Core” allocation to the overall stock market, with an emphasis on risk management and controlling costs. Portfolios are constructed with broad representation across economic sectors, market capitalization, and geographic region. Stock selection focuses on Growth at a Reasonable Price (GARP) and Dividend Growth, seeking high-quality, well-managed companies selling at attractive valuations with above average earnings and dividend growth.

Portfolios are generally fully invested (less than 5% cash), consisting of 35-50 securities and may include positions in mutual funds and/or ETFs when appropriate for client circumstances. In line with the long-term nature of the process, the goal is to provide superior risk-adjusted investment results over a full market cycle (typically 3-5 years) relative to the S&P 1500 Index.

CGN Core Bond Portfolio

This strategy is intended to provide a suitable level of current income with an emphasis on capital preservation while providing diversification to stock portfolios. Portfolios are constructed across maturity structure, sectors, and geographic regions. Bond selection focuses on relative valuation and investment-grade debt, primarily investing in government, corporate, and mortgage-backed securities.

Portfolios generally consist of 10-20 securities with weighted average maturity between three and seven years, an average credit quality of A or better, and may include positions in mutual funds, ETFs and cash when appropriate for client circumstances. Additionally, when client tax situations dictate, we build the portfolio with high-quality municipal bonds, generally in a laddered structure.

CGN Balanced Core Portfolios (Stocks & Bonds):

This strategy combines CGN’s Core Stock and Core Bond strategies to create a “Core” asset allocation portfolio based upon individual clients’ objectives, risk-tolerance, time-horizon, and preferences. Portfolios are generally constructed with a long-term stock target between 20% and 90% and normally include an allocation between 10% and 30% to CGN Tactical Asset Allocation Strategies.

CGN Tactical Asset Allocation Strategies:

CGN has created five strategies with various levels of risk from aggressive to conservative utilizing a core/satellite approach. These strategies provide broad exposure to “core” asset classes similar to those found in the CGN Core Stock and CGN Core Bond portfolios in addition to “satellite” asset classes that provide additional diversification, improving the portfolio’s risk/return profile.

Portfolios generally consist of 5-20 low cost ETFs and/or index mutual funds. Over time, CGN will “tactically” over-weight or under-weight allocations to these positions relative to long-term targets based upon changing market and macroeconomic conditions and opportunities. Given our focus on risk management, we believe it is important that our tactical decisions do not compromise clients’ objectives and risk-tolerance. As such, we have defined acceptable ranges for target allocations.

While CGN Tactical Allocation Strategies may be appropriate as standalone portfolios, they are generally utilized within a broader portfolio strategy in conjunction with CGN’s Core Strategies

Independent, Fee-Only Financial Planning And Investment Management

Our Team 
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Our team of advisors is made up of native mid-westerners who are passionate about helping youour families, our friends, our neighborsplan for the future. 

We work with clients throughout Northeast Kansas including: Manhattan, Clay Center, Marysville, Wamego, Topeka, Council Grove, Emporia, Junction City, Abilene, Salina and surrounding cities

Chad Chase, JD, CTFA Photo

Chad Chase, JD, CTFA

Principal & Chief Executive Officer
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Chad Chase, JD, CTFA

Principal & Chief Executive Officer

Chad Chase, JD, CTFA, is in charge of client relationship management for CGN Advisors.  Previously, he served as Vice President & Trust Officer at The Trust Company, Manhattan, Kansas providing his clients with financial advice, investment management, and trust administration services. 

Prior to entering the wealth management industry, Chad worked in commercial banking for four years in Kansas City and Derby, Kansas and practiced law in Manhattan.

Chad holds degrees from Butler Community College, Kansas State University (finance & music), and the University of Nebraska College of Law.  He is also a graduate of the American Bankers Association Graduate Trust School and has obtained the Certified Trust & Financial Advisor certification from the Institute of Certified Bankers. 

He has held various leadership positions with the Flint Hills Community Clinic, KBA Trust Division, Riley County Bar Association, Leadership Manhattan, Friends of McCain Board, Alpha Gamma Rho Alumni Board, and Flint Hills Children’s Choir.  Chad is also a 2015 graduate of Leadership Kansas.

Chad grew up on a 100-year old ranch in Butler County, KS that he still helps manage and operate.  Growing up, Chad was actively involved in 4-H and also studying piano. 

Chad’s wife, Segen, is a Manhattan native and also a KSU graduate.  She is a local physician practicing in Internal Medicine.  Chad and Segen have two children, Solveig & Gantt.  Both Chad and Segen are accomplished musicians and very active in the local music and art scene.  In addition to music, Chad enjoys golf, basketball, KSU Athletics, and traveling.

Mike Greim Photo

Mike Greim

Principal & Chief Investment Officer
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Mike Greim

Principal & Chief Investment Officer

Mike Greim serves as the firm’s Chief Investment Officer and is responsible for overseeing investment research and portfolio management functions. 

Prior to co-founding CGN Advisors, Mike was the Chief Investment Officer for The Trust Company in Manhattan Kansas from 2010 to 2016, and served the same role for Landmark Bank in Columbia Missouri from 2001 to 2010.  Mike began his career in Kansas City with American Century in 1996 before becoming Portfolio Manager for Country Club Trust Company.

Mike is a graduate of the University of Central Missouri with a Bachelor of Science in Economics and a Minor in Finance.  He is a member of the CFA Institute, the CFA Society of Kansas City, and serves on the Economics and Finance Advisory Board for the University of Central Missouri.

A native of Excelsior Springs, Missouri, Mike has a passion for community involvement that he attributes to his father and grandfather and he currently serves on the Manhattan Arts Center and KSU Research Foundation boards.  Mike and his wife Tina have three children, Zack, Logan and Bentley and he enjoys playing solo acoustic shows around the Manhattan area.

Justin Nichols, CFP® Photo

Justin Nichols, CFP®

Principal & Chief Planning Officer
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Justin Nichols, CFP®

Principal & Chief Planning Officer

In 2011, Justin partnered with Sheryl Garrett to launch Garrett Investment Advisors, a Fee-Only SEC registered investment advisor, with approximately 25 financial advisors located across the United States. Since 2010, Justin has taught an on-campus introductory personal finance course as an adjunct instructor at K-State. He also serves on the advisory board for K-State’s Personal Financial Planning program.

In 2007, Justin started his own financial planning and investment advisory firm, Nichols Financial Advice, a Fee-Only State of Kansas registered investment advisor. Since 2003, Justin has worked as Director of Operations of the Garrett Planning Network, a nationwide network of approximately 300 independent, Fee-Only financial advisors.

Prior to becoming a financial advisor, Justin worked as Quality Assurance Team Lead in Sprint’s Real Estate Technology group for 1 year. He also worked as a Consultant in Accenture's Communications & High-Tech market group for more than 3 years.

Justin is a CERTIFIED FINANCIAL PLANNER™ professional, having completed the requirements for certification in 2007. In order to maintain his certification, Justin is required to complete 30 hours of continuing education every 2 years. As a CFP® certificant, Justin also adheres to the CFP Board’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards. Justin is also a NAPFA-Registered Financial Advisor. A NAPFA-Registered Financial Advisor is a financial planner who has earned the CERTIFIED FINANCIAL PLANNER™ certification, is a NAPFA recognized practitioner, Fee-Only, and who meets NAPFA’s rigorous standards.

Justin is a graduate of K-State’s College of Business Administration with a Bachelor of Science in Finance.

In the past Justin has served as Board Member for the Flint Hills Financial Literacy Council (Manhattan, KS). He has also served as Treasurer for the Garrett Financial Education Alliance, a non-profit financial education foundation (Shawnee Mission, KS). He has also served as Financial Coach through the United Methodist Church of the Resurrection’s Stewardship Ministry (Leawood, KS).

Justin lives with his wife, Edee, and sons, Nate and Luke, in Manhattan, KS. He enjoys jogging, golfing and snow skiing and helping with his sons’ church, 4-H and sports activities.

Justin's own personal financial mantra is: Work hard to earn a good living. Give generously. Protect you and your loved ones. Save early and often. Spend the rest to enjoy life!

Nicola Cyr Photo

Nicola Cyr

Associate Advisor
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Nicola Cyr

Associate Advisor

Nicola graduated from Kansas State University in May 2017 with a Bachelor of Science in Personal Financial Planning and a minor in English. 

Throughout college Nicola worked at State Farm Insurance as a saleswoman licensed in both Property & Casualty and Life & Health insurance for four years.  Just prior to joining CGN she also worked part-time at Navy Federal Credit Union.  On top of part-time work and school, Nicola also worked as a research assistant for Stu Heckman, PhD, CFP®, assisting him with research papers and helping to develop undergraduate class content.

Nicola has been married to her husband, Ryan, since May of 2016.  Their growing family now includes their faithful hound, Phoebe, and a son, Ezra, coming December 2017.  In their free-time, Ryan and Nicola enjoy working on their recently purchased house and staying involved with their church community at Manhattan Presbyterian Church.

Kathy Switzer Photo

Kathy Switzer

Director of Client Services
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Kathy Switzer

Director of Client Services

As Director of Client Services at CGN Advisors, Kathy is responsible for the overall client service process, client relationships, and daily operations of the firm.  Prior to joining CGN Advisors, she was an Account Administrator at The Trust Company in Manhattan, Kansas for 15 years.  Kathy also worked as an Elementary School Teacher for 15 years (1 year in Riley and 14 years in Dwight, KS).  Due to family tragedies, she has also had personal experience in estate and trust management.

Kathy earned a Bachelor of Science degree in Elementary Education, a Master of Science degree in Educational Administration and a Graduate Certificate in Personal Financial Planning from Kansas State University.  She also completed the Trust & Financial Services School and Advanced Trust Administration School offered by the Schools of Banking.

Kathy grew up in Council Grove, Kansas in a close family of six children.  She has been married to her husband, Kelly, since 1984.  They live in Dwight, where they raised their two daughters, Abby and Ally.  Recently added to the family, were sons-in-law, David and Lance, and a grandson, Devin.  In her free time, Kathy loves spending time with family! 

Stuart Heckman, PhD, CFP® Photo

Stuart Heckman, PhD, CFP®

Financial Planner
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Stuart Heckman, PhD, CFP®

Financial Planner

Dr. Stuart Heckman is a Certified Financial PlannerTM and an Assistant Professor of Personal Financial Planning in the School of Family Studies and Human Services at Kansas State University. Dr. Heckman is a Financial Planner at CGN Advisors and is the lead advisor for a limited number of clients.  He also contributes to the overall firm strategy for financial planning and investment management. He enjoys helping individuals and families develop and pursue their financial goals.

Dr. Heckman’s research focuses on the professional practice of financial planning and on financial decisions involving uncertainty, especially among young adults and college students. His work has been published in College Student Journal, Journal of College Student Retention: Research, Theory, and Practice, Journal of Financial Counseling and Planning, Journal of Financial Planning, and Journal of Financial Therapy. He earned his B.S in Personal Financial Planning from Kansas State University and his M.S. and Ph.D. in Family Resource Management from The Ohio State University.

Originally from the Kansas City area, Dr. Heckman is glad to be in Manhattan with his wife (Heidi) and three kids (Reese, Abe, and Jack). In his free time, he enjoys reading, watching K-State and Ohio State football and basketball, and being outdoors. His family is also active in the Village, a community of house churches in Manhattan.

An Educational Approach To Financial Planning

Our Goal Is To Build A Close, Trusting Relationship To Help You Enjoy Life On Your Terms



Contact Us  
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Please contact us to schedule a no-obligation meeting to get acquainted and to let us answer any questions you may have. We look forward to getting to know you!

Address

1107 Hylton Heights Road
Manhattan, Kansas 66502 


Email

chad@cgnadvisors.com

Phone

785-340-3434 


Fax

785-340-3435