WE ARE CYBELE.

Located in Puerto Rico, CCM is a privately-owned boutique asset management firm focused on providing comprehensive wealth-building services to individuals, endowments, financial institutions, and trusts.

Our company is not a brokerage firm, and we do not work for commissions. Our business model is simple: we charge an annual asset management fee for private portfolio management.

Our firm was built for and around our clients. We believe an open, transparent, client-centered relationship is the key to long-term success. Our thorough financial planning process is driven by listening, formulating a strategy, and following through with advice and world-class service.

Why Us?

INDEPENDENT

By offering a fee-only investment management service, we are obligated to act in the best interest of our clients. This distinguishes us from any broker-dealer who might push to sell commission-based financial products. Our compensation is based on your growth and disclosed upfront, both clearly and transparently.

Fiduciary

As a fiduciary, our only compensation comes directly from our clients' success; not from commissions earned by selling or pushing products. CCM's main goal is to maintain the highest ethical standards while practicing full disclosure to minimize any conflict of interest.

SUSTAINABLE

Our financial strategies are built around the preservation and growth of our clients’ wealth. Your current income goals should not come at the price of not leaving a legacy, and your accumulation goals should not come at the cost of disregarding your personal and moral values.

EDUCATED CLIENTS

Our experience demonstrates that most investment mistakes occur when decisions are made solely on trust, and without knowledge. Financial literacy is at the core of our advising philosophy. At CCM, we provide our clients with the tools and knowledge to make well-informed decisions about their investments. Because our goal is not to sell a particular product, we can show the why and the how of each financial move. Our clients are in total control of their financial future.

Our Process

  • Discover

    We initiate our process by conducting an interview where we get to know you. We take the time to actively listen, ask incisive questions, and gain insight into your life. After we gather this essential information, you will complete a comprehensive questionnaire which will determine your risk SCORE, using a Nobel Prize-winning framework developed by our partners, Riskalyze. “It sits at the heart of a sophisticated set of tools to precisely measure an investor’s appetite and capacity for risk, as well as the risk of a security, model, account, or portfolio.”

  • Analysis

    In this part of the process, we will gather and thoroughly review all relevant documentation about your financial situation, to then discuss your risk test.

  • Advise and Implement

    In this step of the process, we will offer recommendations tailored to meet your needs for risk with your risk tolerance.

    We offer thoughtful and insightful recommendations tailored to your goals and resources. We work with you to evaluate all options, so that you can decide which choices are right for you. We then act to ensure that your overall plan is implemented. We excel at assembling your advisors and subject-matter experts to ensure concordance, and the prioritization of your needs.

  • Monitor and Evolve

    From fluctuating interest rates and tax laws, to increased volatility, the market is an evolving phenomenon that needs constant monitoring. As you progress towards your goals, we will evaluate whether your strategy remains appropriate, or if adjustments are needed. Through open and ongoing communication, we will ensure all your questions get answered.

FAQ

What is an independent financial advisor?
Independent Registered Investment Advisers are professional independent advisory firms that provide personalized financial advice to their clients, many of whom have complex financial needs. Because these advisors are independent, they are not tied to any particular family of funds or investment products. As fiduciaries, they are held to the highest standard of care—and are required to act in the best interests of their clients at all times. They are registered with either the Securities and Exchange Commission or state securities regulators.
What does being a Fiduciary mean?
A fiduciary is a professional entrusted to manage assets or wealth while putting the client’s best interests first at all times. Financial advisors who follow a fiduciary standard must disclose any conflict, or potential conflict, to their clients prior to and throughout the advisory engagement. Fiduciaries will also adopt a code of ethics and will fully disclose how they are compensated.
What separates us from other financial advisors?
A combination of independence, comprehensive service, and client focus sets us apart. As an independent Registered Investment Advisor, we provide the best advice for each client’s specific situation and needs without concerning ourselves with the agenda of a parent company. Our services range from financial planning to investment management to estate planning—we can meet a wide range of needs under one roof. Finally, we are oriented toward providing each client the attention and service they deserve. We treat our clients as individuals and not numbers.
Where is my money kept?
In our advisory role, we never take custody of client assets. We utilize Charles Schwab as the custodian of client accounts and as our primary broker. Our relationship with Charles Schwab is an arm’s length transaction with no exchange of funds between Charles Schwab and us. When your account is established with Charles Schwab, you provide us with limited trading authorization on your account. This authority allows us to process trades directly in client accounts.
How do I begin?
Typically, we only need a copy of your most recent account statement and your signatures on a few forms. We will take care of setting up your new account and transferring your assets.

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© Cybele Capital Management, LLC.   ADV   |   Disclosures
Securities offered through Charles Schwab. Member FINRA/SIPC.
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