Peace of mind comes with a plan...

Let us give you the confidence to enjoy the retirement you've always wanted.

Helping You Get the Most Out of Life’s Second Chapter.

Some transitions in life are expected, like retirement, and others can be unforeseen and devastating, like the loss of a spouse. Such drastic life events have significant effects on your income, net worth, and sense of stability, and it can be difficult to face the financial impacts of these changes while dealing with the emotional challenges.

At Adams Chetwood, we have decades of experience walking clients through times of transition and helping them establish a new financial path that brings back a sense of clarity and peace.

Our clients are pre-retirees and retirees who have $1 million or more in investable assets.

They value transparency, quality, and wisdom in our relationship.

How can I do what I want in retirement, when I want, and not worry about money?

Schedule a Meeting

WHO WE ARE

The ACWM Difference

We specialize in helping people through major life transitions such as career change, retirement, and divorce - times when one central team is most needed to coordinate all the aspects of these complex times. We believe strongly in proactive wealth management and work to coordinate with your CPA’s, estate attorneys, and other professionals to ensure you benefit the most from the implementation of your plan.

Your Team

Eric Chetwood, CFP®

Managing Partner

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Eric Chetwood, CFP®

eric.chetwood@adamschetwood.com

Eric Chetwood, CFP® graduated from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill in 2003 with a Bachelor’s degree in Business Administration. His primary responsibilities consist of helping clients with comprehensive financial planning and portfolio construction.

In 2007, Eric completed coursework and successfully passed the Certified Financial Planner exam. This year-long curriculum and 10 hour final exam covered various aspects of financial planning.

Away from the office, Eric enjoys effecting change in the local community. He was chosen to participate in the 2007 Leadership Durham program and the 2009 Leadership Triangle program. Currently, Eric serves as a directional Elder at the Summit Church. He also serves on the board of directors for the Samaritan Health Center, an organization that provides medical care to uninsured and low income families in Durham. He and his wife, Allison, have one son and are passionate about adoption advocacy as well as leveraging their gifts and resources to alleviate physical and spiritual poverty through microfinance and social businesses. Eric and Allison’s hobbies include dancing, traveling, and cheesecake.

Rick Adams, MFS

Managing Partner

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Rick Adams

RICK ADAMS began his career as a financial advisor with Wheat First Securities in 1989 remaining with the firm for twenty-five years. During his time there, the company carried six different brand names, the last being Wells Fargo Advisors. He spent much of his career as a Senior Vice-President, Investment Officer eventually leaving Wells as a Managing Partner.

Rick earned a Bachelor of Arts degree from the University of North Carolina at Chapel Hill. After graduation, he spent one year studying market economics at Grove City College in Pennsylvania. It was here while learning to apply the principles of macroeconomics to stock analysis that he developed his passion for finance. Throughout his career Rick has continued to hone his skills by taking classes in mathematics, statistics, finance, and accounting.

In May 2015, Rick along with business partner Eric Chetwood left Wells Fargo Advisors to form Adams Chetwood Wealth Management Group. Today, Rick focuses on delivering customized investment planning strategies for high-net-worth individuals, families and institutions.

In August 2017, Rick earned his Masters of Finance degree from Northeastern University where he further developed his analytical and financial management skills.

In 1987, Rick married Jane Woodson Adams. The couple have four adult children residing in North Carolina, Colorado, and Louisiana. Rick is committed to helping his community prosper. He serves on the Board of Trustees for Durham Technical Community College and chairs Parents for Educational Freedom in North Carolina. He is also an elder at Restoration Church here in Durham. Rick carries a passion for young people in this area, currently serving on the local board for Young Life. He has also served as a member of the Board of Trustees of Trinity School and the Agapé Corner School, which serves at-risk, inner city youth. For ten years he was on the Board of Directors of Pregnancy Support Services in Durham.

Michelle Disney, CFP®

Chief Operations Officer

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Michelle Disney, CFP®

michelle.disney@adamschetwood.com

Michelle Disney graduated from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill with a degree in Business Administration and a concentration in Marketing. Michelle has obtained her Series 66 securities registration in addition to the North Carolina Life and Health Insurance license.

In 2010, Michelle went on to earn the CERTIFIED FINANCIAL PLANNER^™ certification by completing a rigorous course of study and series of exams covering topics such as insurance and estate planning, employee benefit and tax planning, as well as investment and retirement planning.

As the Chief Operations Officer and Chief Compliance Officer, Michelle’s responsibilities include crafting client financial plans, managing clients’ investment portfolios, directing firm operations, managing the firm’s compliance policies, supervising staff, and directing the business’ marketing initiatives.

Away from the office, Michelle is involved with animal welfare groups including the Coalition to Unchain Dogs and the Humane Society of the United States.

Katherine Edwards, CFP®

Financial Planning Associate

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Katherine Edwards

katherine.edwards@adamschetwood.com

Originally from Charlotte, NC, Katherine graduated from UNC-Chapel Hill in 2011 and worked for two years as a Branch Service Associate at UBS Financial Services, handling client operations across two complexes. Katherine joined the Adams Chetwood Wealth Management group in March 2016 as a Registered Client Associate.

In July 2017, Katherine was authorized by the Certified Financial Planner Board of Standards (CFP Board) to use the CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks in accordance with CFP Board certification and renewal requirements.

The CFP® marks identify those individuals who have met the rigorous experience and ethical requirements of the CFP Board, have successfully completed financial planning coursework and have passed the CFP® Certification Examination covering the following areas: professional conduct and regulation, general financial planning principles, education planning, risk management and insurance planning, investment planning, tax planning, retirement savings and income planning, and estate planning.

As a Financial Planning Associate, Katherine handles operational requests and also helps clients plan for retirement, budget for college savings, review their investments, and analyze their estate planning strategies.

Outside of work, Katherine enjoys running, traveling, reading, serving at her church in the children’s ministry, and learning how to cook new dishes.

Maria Core

Client Associate

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Maria Core

maria.core@adamschetwood.com

Maria Core joined the Adams Chetwood Wealth Management Group in July as a Client Associate. Maria assists our team with client operations and account administration.

Maria joined us from the Summit College program where she served on staff managing student outreach. In her previous role, Maria organized campus events, trained staff on outreach and communication initiatives, and pioneered a new Summit College program at Meredith. She earned her Bachelor of Science in Mathematics degree from Meredith College in 2016.

Maria lives in Raleigh, and in her spare time, she enjoys painting, practicing calligraphy, traveling, reading, and serving at her church.

Sarah Bush

Client Chaplain

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Sarah Bush

sarahbush@mchapusa.com

Having three older brothers and growing up in the South, my mom always wished I’d wear dresses and ribbons in my hair, but I insisted on wearing blue jeans and playing basketball. I was adamant about other desires too, and for as long as I can remember, I always wanted to teach. As a little girl, it started with a few stuffed animals arranged around my room, then “taught school” with some childhood friends. After attending a teacher’s college at Appalachian State University, I ventured into the elementary classroom. And now, God has moved me into an expanding territory – to speak and write for adults. It’s amazing to think where following God can take you – on an adventure that’s for sure.

As a teenager, I made a commitment to the Lord, yet struggled with how to pray. I asked the God to give me the desire to pray, to rise early and spend time with him each day. Years later, I see now that God responded by providing me with a real passion for prayer that has lead me to develop a thirty year habit of journaling what God teaches me and how he reveals his work in my life.

Over the years, I have used various journals and prayer guides, but was never able to locate a prayer guide and journal that worked in harmony. After fifteen years of the Lord burning this desire on my heart, I decided to simply “just do it.” God has lead me to create an inspirational book, The Invitation – Come Boldly to the Throne of Grace,, on the benefits of prayer and journaling, sharing personal experiences along with a structured companion prayer guide and journal for daily use.

After graduating from Appalachian State University with a K-6 degree, I continued on to teach elementary education and served as the Secretary– Treasurer of Youth Ministry, Inc., a small, non-profit foundation established for seminary students. I was an active member of both the middle and high school Moms in Touch International prayer meetings, along with a passion to lead and teach at MOMS – Mothers of Many Seasons, a women’s ministry group. I began my speaking career with Stone Croft Ministries – Christian Women’s Connection, served on the core team of Knowing God Ministries, and currently am a certified Marketplace Chaplain for Eastern NC. My husband, Eric and I, live in Apex, NC with a revolving front door with our three college-age children coming and going. In my spare time, I enjoy “free therapy” over coffee or a long walk with my girlfriends, reading in the sun, and boating or baking in the kitchen with my family.

Deep within my heart, I passionately desire to deliver the message God has put on my heart revealing our true identity – “to build God’s kingdom of priests” (Revelation 1:6) and share a practical prayer tool to help people like yourself build a relationship with God. I enjoy teaching and facilitating events to equip believers in the disciplines of prayer and journaling, including a variety of related topics: listening, discovering your purpose, confidence in prayer and more. The more is… it all points to Jesus – He who lives always to intercede for us! I hope to continue my mission with the new release of my devotional “Breath and Believe”.

Bio information from Sarah's website: https://sarahbush.com/meet-sarah/

Dream Big, But Plan Accordingly.

WHAT WE DO

Simplify and Organize

Simplifying and organizing your financial life is essential to gaining control over your finances. Together, we will evaluate every aspect of your current financial plan so that you can begin to recognize the financial future of your dreams.

Financial Planning

After an in depth discussion with you regarding your financial situation, we will dive into developing a financial plan for you.

We will build a plan that provides the specific, actionable steps needed to improve your financial standing. Your plan may include some of the following topics and more:

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Retirement Planning

Retirement is inevitable. We cannot control the passing of time. That's why we want to help you take control of your retirement planning today. During the financial planning process, we can discuss where you want to be financially during retirement and map out a strategy to get you there.

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Estate Investment Planning

Estate planning is a critical step in planning for your family’s future. Having a well thought out plan in case you become incapacitated or predecease your children will make such challenging times easier to navigate for loved ones left behind. We will coordinate with your estate attorney to make sure your wishes are properly documented and implemented.

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Education

The cost of college education is constantly growing, and the key to preparing for your child’s future is saving as soon as possible and utilizing the proper investment vehicle. We will help you effectively plan for your child’s education needs.

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Insurance Analysis

Preparing for the unknown can be stressful. We will review your current insurance plan and search for any inefficiencies in your coverage. From there, we can help make the necessary adjustments to protect you and your family from unforeseen risks.

Investment Management

The investment plan is a byproduct of the overall financial plan. Everyone is different, and so we create a customized investment plan based on your individual needs and circumstances. Your goals and your tolerance for risk are the two main ingredients that go into making your plan uniquely yours.

Investing is a long-term endeavor. Most of us aim to build wealth over time, but it can be challenging. We believe it is necessary to have a clear sense of your goals and objectives (why you are investing in the first place), and then stick with a disciplined investment strategy.

Typical Client Review

Transparent Pricing

At Adams Chetwood Wealth Management, we deliver financial planning and investment management services that are both comprehensive to cover all aspects of your financial life but also specialized to the needs of our pre-retiree and retiree clients.

It's important to us that our pricing be transparent and clear, and our clients value knowing they pay us a single fee.

Our fee for this service is a flat percentage charged on the assets that we manage:

Client Household	Fee
Households with assets of $1 million to $2.5 million	1% of assets under management
Households with assets over $2.5 million	0.8% of assets under management

401k Advice

For many pre-retirees, their 401k or 403b is one of the most significant parts of their retirement nest egg. Yet, they devote little time to overseeing the investments in their portfolio or blindly trust that the autopilot investment options are the best vehicles to help them reach their goals. One of the core philosophies in our firm is that the investment allocation should be a derivative of the financial plan, not the other way around. In other words, our financial plans can optimize the amount of risk one should take to reach their goals, and if the investment allocation doesn’t match that risk profile, it is as worthless to the client as the nutrition plan or exercise regimen that is crafted and then never gets implemented.

From our side (the advisor), analyzing and monitoring each clients 401k is very time intensive because the structures and investment options are different for most every plan. We want to thoroughly research every fund offered in order to provide excellent advice for our clients, but also need an incentive to be compensated for our ongoing time and expertise. That is how we came up with our individual 401k monitoring and advice service. You can engage us to provide the following:

Analyze your retirement plan structure and investment options

Customize a 401k allocation that integrates with your financial plan and empirically optimizes your ability to reach your financial goals

Actively monitor your 401k so that any macroeconomic changes we make in your global allocation are reflected in your 401k

Provide an annual financial check up on your 401k for rebalancing recommendations, allocation changes and financial plan integration

Enjoy the peace of mind of knowing that all your retirement accounts are rowing in the same direction

The cost for 401k monitoring is 0.8% annually (or 0.2% per quarter) which is slightly less than our usual agreement. We give a bit of a price break since the only thing we can’t do on your behalf is place the trades within your retirement plan. It is so important that all of your investment accounts complement each other and abide by the same risk profile. Many pre-retirees are hoping their 401k will get them to their retirement goals, but struggle to articulate what they own or why they own it. If you’d like help making sure that your 401k is propelling you toward your retirement goals and not subjecting you to unforeseen risks, just let us know. We are happy to show you a sample of our analysis at no charge.

We will not be right all of the time, but we will be wise all of the time. And we know that being wise all of the time will lead to being right enough of the time.

- Rick Adams, Managing Partner

NEWSLETTER

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Check out our past newsletters below for helpful financial planning information and insights.

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What is your financial finish line? We can help you get there.

Our goal is to guide you to a position, financially, so that you can do what you want, when you want, without worrying about money.

Schedule a Meeting

WHY WORK WITH US?

Get Started Today!

Schedule a Meeting

CONTACT US

Adams Chetwood Wealth Management is based in the Raleigh-Durham area, but we are available for meetings by whichever means you prefer (phone, webX, or in-person).

Please click below to schedule a meeting. You can also email or call us to set up your first consultation. We look forward to helping you simplify and organize your financial life.

Schedule a Meeting

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By failing to plan, you are planning to fail.

- Benjamin Franklin

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Careers

As we continue to help more families each year, our team is also growing so that we can continue to deliver exceptional service. If you're interested in joining the Adams Chetwood Wealth Management team, we are currently accepting applications for:

A Client Associate

Client Associate – Full Time

Job Summary:

Our ideal Client Associate has prior professional client service experience and a strong desire for a long term career in the financial services industry. You are poised and polished in dealing with high net worth clients and have excellent communication skills. You enjoy utilizing your exceptional organizational and problem-solving skills to solve client issues, keep the internal business systems on track, and improve business processes. The ideal candidate enjoys attention to detail, thrives in a fast-paced environment, and has a hunger to learn.

Job Description:

Account administration - 70%

Process fund transfers (transferring assets, deposits, withdrawals, retirement plan rollovers, etc.)
Prepare and process paperwork for client transactions, including but not limited to opening new accounts, closing accounts, account title changes, address changes, etc.
Establish client files and maintain client data in CRM program
Maintain and update internal systems including contact management and portfolio reporting software
Maintain and update the firm’s internal Operations Manual
Proactively take operational tasks off of COO and Advisors’ plates
Manage and own all client requests received, ensuring timely resolution of issues
Verify accuracy of information provided by internal and external back office before implementing solutions for clients

Compliance implementation – 30%

Learn the firm’s compliance program and processes and implement all compliance initiatives under supervision of the CCO
Manage the firms’ interns as they complete select compliance initiatives and ensure timely and accurate completion
Maintain and update the firm’s internal Compliance Manual

Qualifications:

Minimum of Bachelor’s degree (preferably in Business Management, Economics, or Finance) - required
1+ year of experience in client service and/or operations in the financial services industry - preferred
Desire for a long term career in the financial services industry - required
Proficient in Microsoft Office suite (with an emphasis on Excel expertise) - required
Successful completion of a background check, fingerprint screening and previous employment verification

Other Skills and Experience:

Organized and meticulous with an extreme attention to details
Excellent verbal and written communication skills
Motivated self-starter able to “own” client problems and manage the solution from start to finish
Able to take ownership of deliverables and meet firm deadlines for both short- and long-term projects
Professional presentation skills with prior client facing work experience
Ability to exercise good judgment by recognizing urgency and setting priorities to manage several tasks at once
A low-ego, team player
Demonstrated ability to work successfully in an entrepreneurial, small company environment.
Uphold firm’s purpose, vision and values.

Compensation:

Salary is commensurate with experience
Employees may earn quarterly bonuses based on firm wide goals and individual performance goals

Benefits include:

Fully paid health insurance for employees
401k with match and discretionary profit sharing
Paid vacation
Paid parental leave
Paid time off for volunteer/service projects
Paid FPA membership
Ongoing career development, including training/certification reimbursement

To Apply:

Please complete the Client Associate Questionnaire. You will be able to submit your resume and cover letter here as well.

Peace of mind comes with a plan...

Helping You Get the Most Out of Life’s Second Chapter.

Our clients are pre-retirees and retirees who have $1 million or more in investable assets.

They value transparency, quality, and wisdom in our relationship.

ESTABLISHED PROFESSIONALS

Pre and Post Retirees in Transition

STRESS FREE RETIREES

How can I do what I want in retirement, when I want, and not worry about money?

WHO WE ARE

The ACWM Difference

Your Team

Eric Chetwood, CFP®

Rick Adams

Michelle Disney, CFP®

Katherine Edwards

Maria Core

Sarah Bush

Dream Big, But Plan Accordingly.

WHAT WE DO

Simplify and Organize

Financial Planning

Retirement Planning

Estate Investment Planning

Education

Insurance Analysis

Investment Management

Typical Client Review

Transparent Pricing

401k Advice

We will not be right all of the time, but we will be wise all of the time. And we know that being wise all of the time will lead to being right enough of the time.

- Rick Adams, Managing Partner

NEWSLETTER

What is your financial finish line? We can help you get there.

Our goal is to guide you to a position, financially, so that you can do what you want, when you want, without worrying about money.

WHY WORK WITH US?

Get Started Today!

CONTACT US

Schedule a Meeting

By failing to plan, you are planning to fail.

- Benjamin Franklin

CLIENT CENTER

Careers

Client Associate – Full Time

Job Summary:

Job Description:

Qualifications:

Other Skills and Experience:

Compensation:

To Apply: