CSH Investment Management

CSH Investment Management is a real estate investment and wealth management firm based in Taylorville, Illinois, and Columbia, Missouri. The company serves families and businesses by providing personalized financial planning, investment strategies, and estate services. They have been operating since 2003 when founder Steve Henry started the firm. The team includes Registered Investment Advisor Charles Steve Henry and Investment Advisor Robbie Johnson, who joined in 2019. Clients can access a personal dashboard and a secure document storage tool called The Vault to manage their finances and important planning documents.

The firm charges a fee based on a percentage of the client's account value, ranging from .75% to 1.25%, billed quarterly. Additional services like option trading and hedging strategies incur an extra .50% fee. These fees are taken directly from the account and disclosed on quarterly statements. Clients also pay any nominal transaction fees for complex trades or mutual fund fees that vary by fund. The company states they are paid only through these fees with no hidden charges.

Clients can reach the firm by calling their Taylorville office at 217.824.4211 or their Columbia office at 573.808.1959. The physical addresses are 926 W Spresser St Ste C in Taylorville, IL, and 3610 Buttonwood Dr in Columbia, MO. The firm also provides a personal cell phone number to each client for direct communication. They encourage clients to schedule a time to talk via their website or by phone.

The firm operates as a fiduciary, meaning they represent the client's interests above all else, including third parties like brokerage firms or insurance companies. They sign a contract with clients stating this exclusive representation. Their approach is holistic, combining investment management with insurance, retirement benefits, and estate planning under one fee. They emphasize that their team listens to client needs, devises a plan, and helps clients succeed in securing their future.

The firm offers several key services including investment strategies, wealth management, retirement planning, estate planning, and business succession. They also provide a personal dashboard for real-time financial data and The Vault for securely storing documents like life insurance policies and tax returns. All accounts are discretionary, meaning the firm makes all buy and sell decisions for the client. They aim to help clients avoid financial uncertainty and live a comfortable, financially stable life.

Clients can start by scheduling a time to talk with the team, either by phone or through their website. The firm states they are happy to sit down with anyone, even those with small accounts like $5,000. They fill out a transfer form to move existing brokerage accounts without requiring a visit to the previous broker. The process involves listening to client needs, establishing a plan, and then executing the strategy together.

The firm's team consists of Charles Steve Henry, the founder and investment advisor; Robbie Johnson, an investment advisor who joined in 2019; and Laurie Henry, a customer care specialist who joined in 2020. Henry graduated with a finance and economics degree in 1985 and has over 25 years of experience. Johnson holds FINRA Series 65 licensure and a degree in accounting. The team prides itself on providing concierge-level service and personalized attention.

According to the firm's website, they have been providing guidance for over 20 years, with the firm itself established in 2003. They highlight their long-term investment approach and the fact that they invest their own money in many securities they recommend. The team emphasizes that they practice what they preach by applying their strategies to their own accounts. They also note their focus on minimizing risk and maximizing returns through careful asset balancing.

The firm serves clients in Taylorville, Illinois, and Columbia, Missouri, with offices in both locations. They cater to families and businesses seeking comprehensive financial planning. The team mentions they are not limited to specific markets but focus on providing a secure and worry-free future for their clients. They also offer services to those looking for investment management and financial advice.

The firm's investment process involves several steps, starting with asset value analysis and comparing it to stock prices. They also discuss franchise value and finding long-term compounders. The team emphasizes that they listen to client needs first, then plan together, and finally execute the strategy. They also mention using a holistic approach that considers legal, estate, and tax aspects alongside investing.

Clients receive monthly statements that disclose all fees and trades. The firm states there are no hidden fees beyond the stated percentage of account value. They also mention that mutual funds may impose their own fees which vary. The firm ensures transparency by disclosing everything in the quarterly statements provided to clients.

The firm's assets are custodied by third parties such as TD Ameritrade, meaning they do not hold assets personally. They offer a personal dashboard for clients to view real-time financial data. The team also provides The Vault for storing important planning documents securely. These tools help clients stay focused on their financial plan and access their information easily.

The firm's team is highly professional and knowledgeable, according to multiple reviews. Clients praise their timely advice, dedication, and ability to help achieve financial goals efficiently. Some reviewers mention the team is always available to answer questions and provides top-notch financial advice. The firm has a 4.1 out of 5 rating from 8 reviews on Trustburn.

The firm has a 4.1 out of 5 rating from 8 reviews on Trustburn, with the most recent reviews dating back to July 2023. The rating split shows a mix of 5-star and 4-star ratings, with one 3-star review. The reviews are generally positive, highlighting the team's professionalism and knowledge. The firm has been operating since 2003 and continues to serve clients in Taylorville and Columbia.

The official website of CSH Investment Management is cshinvestments.com.