Cascade Investment Group, Inc. (hereafter referred to as CIGI) is a SEC-registered investment
adviser with its principal place of business located in Colorado. CIGI began conducting business
in 1993.
CIGI’s principal owner is The Eastern Colorado Bank.
The Eastern Colorado Bank is principally owned by Gregory Justin Weed, Majority TTEE Weed
Investment Group, Inc.
CIGI's principal activities include retail and institutional private client services, including but not
limited to providing advice with respect to financial markets, securities, and executing securities
transactions as broker and/or dealer.
INVESTMENT SUPERVISORY SERVICES ("ISS")
INDIVIDUAL PORTFOLIO MANAGEMENT
Our firm provides ongoing advice to clients regarding the investment of clients’ funds based on
the individual needs of the client. We develop a client's portfolio based on his or her goals and
objectives. During our data-gathering process, we determine the client's individual objectives,
time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a
client's prior investment history, as well as family composition and background.
We provide the following Investment Advisory Services:
1. Portfolio Freedom Account (PFA) Program:
We manage PFA accounts on a discretionary or non-discretionary basis. Account supervision is
guided by the client's stated objectives (e.g., maximum capital appreciation, growth, income, or
growth and income), as well as tax considerations.
Clients may impose reasonable restrictions on investing in certain securities, types of securities,
or industry sectors.
Our investment recommendations are not limited to any specific product or service offered by a
broker-dealer or insurance company and will generally include advice regarding the following
securities:
•Exchange-listed securities
•Securities traded over-the-counter
•Foreign issuers
•Warrants
•Corporate debt securities (other than commercial paper)
•Certificates of deposit
•Municipal securities
•Variable life insurance/Variable annuities
•Mutual fund shares
•United States governmental securities
•Other securities such as but not limited to master limited partnerships (MLPs), real-estate
investment trusts (REITs), and exchange traded funds (ETFs).
CIGI may utilize separately managed account (“SMA”) programs or other Third-Party Account
Program (“TAMP") to aid in the implementation of an investment portfolio. Before selecting an
SMA or TAMP, CIGI will conduct initial due diligence and ensure that the chosen party is
properly licensed or registered.
PENSION and CHARITABLE CONSULTING SERVICES
We provide several advisory services separately or in combination. While the primary clients for
these services will be pension, profit sharing and 401(k) plans, we offer these services, where
appropriate, to individuals and trusts, estates, and charitable organizations. Pension Consulting
Services are comprised of four distinct services. Clients may choose to use any or all of these
services.
Pension Trustee Services:
We will meet with clients (in person or through telephone or electronic communications) to
support retirement and pension plan trustees in their plan design and selection and review of
vendors, such as the third-party administrator (TPA), record keeper and participant investment
options.
Investment Policy Statement Preparation (hereinafter referred to as ''IPS''):
We will meet with the client (in person or over the telephone) to determine an appropriate
investment strategy that reflects the plan sponsor's stated investment objectives for management
of the overall plan. For companies and organizations that choose to implement an IPS, our firm
then prepares a written IPS detailing those needs and goals, including an encompassing policy
under which these goals are to be achieved. Organizations may, at time, write an IPS that lists the
criteria for selection of investment vehicles as well as the procedures and timing interval for
monitoring of investment performance. Other organizations elect to write an IPS that gives their
investment advisors discretion on security selection and replacement within determined
guidelines.
Selection of Investment Vehicles:
We assist plan sponsors to develop participant investment options. We assist charitable
organizations in constructing appropriate asset allocation guidelines and we will then review
various securities, to determine which investments are appropriate to implement as determined
by the client's IPS.
Monitoring of Investment Performance:
Our firm does not monitor individual holdings for retirement plan participants on a continual
basis and does not take discretionary authority to make changes for those participants as a part of
our Pension Consulting services. Separate from our plan level services, we offer discretionary
advisement through our Portfolio Freedom Accounts using third-party platforms that enable
access to monitoring and management of qualified plan accounts for clients. We assist plans and
participants
in the review of securities offered and will educate participants so they can select
funds based on their needs, market factors and risk tolerances.
Employee Communications:
For pension, profit sharing and 401(k) plan clients with individual plan participants exercising
control over assets in their own account (''self-directed plans''), we provide educational support
and investment workshops designed for the plan participants when the plan sponsor engages our
firm to provide these services. The nature of the topics to be covered will be determined by us
and the client. The educational support and investment workshops will not provide plan
participants with individualized, tailored investment advice or individualized, tailored asset
allocation recommendations.
FINANCIAL PLANNING (CONSULTING SERVICES)
We provide financial planning services. Financial planning is a comprehensive evaluation of a
client's current and future financial state by using known variables to predict future cash flows,
asset values and withdrawals. Financial planning results in a comprehensive examination of an
individual’s or entity’s objectives and usually includes a savings and investing strategy to
support those objectives. Through the financial planning process, questions, information, and
analysis are considered as they impact and are impacted by the entire financial and life situation
of the client.
In general, the financial plan can address any or all of the following areas and will depend on the
needs and interests of the client:
•PERSONAL: We review family records, budgeting, personal liability, estate information and
financial goals.
• CASH FLOW: We analyze the client's spending and planning for past, current, and future
years; then illustrate the impact of various investments on the client's current income and
expected income and spending needs. We discuss tax strategies that have the potential to reduce
taxes even though we do not provide tax advice.
•INVESTMENTS: We analyze investment and asset allocation alternatives and their effect on
the client's future cash flow and capital growth.
•INSURANCE: We review existing policies and make recommendations with regards to
coverage for life, disability and long-term care when requested to do so by clients.
• RISK MANAGEMENT: We discuss risk management techniques, at times, with clients around
liability insurance coverages, debt reduction and corporate formation. We do not provide
solutions in these areas.
•RETIREMENT: We analyze current strategies and investment plans to help the client
implement strategies to assist them in achieve retirement and other life goals.
•DEATH & DISABILITY: We review the client's cash needs at death, income needs of
surviving dependents, estate planning and disability income.
•ESTATE: We assist the client in assessing and developing long-term strategies, including as
appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans,
nursing homes, Medicaid, and elder law. We do not provide solutions in these areas.
•SPECIAL NEEDS: We are familiar with the differing requirements families have if a member
has a qualifying disability that could provide access to such benefits as Supplemental Security
Income and Medicaid and the strategies required to gain, protect, and preserve these benefits.
As part of our financial planning process, we gather required information through in-depth
personal interviews and materials given to us by clients. Ideally, information gathered includes
the client's current financial status, tax status, future goals, returns objectives and attitudes
towards risk. We review documents supplied by the client and prepare a written report. Should
the client choose to implement the recommendations contained in the plan, we suggest the client
work closely with his/her attorney, accountant and, at times, an insurance agent or investment
provider (of those are not with us). Implementation of financial planning recommendations is
entirely at the client's discretion.
We can provide general non-securities advice on topics that may include tax and budgetary
planning, estate planning and business planning.
•Exchange-listed securities
•Securities traded over-the-counter
•Foreign issuers
•Warrants
•Corporate debt securities (other than commercial paper)
•Certificates of deposit
•Municipal securities
•Variable life insurance
•Variable annuities
•Mutual fund shares
•United States governmental securities
•ABLE Accounts
Financial Planning recommendations are not limited to any specific product or service offered by
a broker-dealer or insurance company. All investment, insurance, estate, and tax
recommendations are of a generic nature unless we are engaged as an insurance or investment
professional.
AMOUNT OF MANAGED ASSETS
As of 12/31/2023, we actively managed $310,021,310 of clients' assets on a discretionary basis,
and $31,905,040 of clients' assets on a non-discretionary basis.