In The News

CFO 2023 Economic & Financial Market Outlook


Welcome to CFO Capital Management

and Cruice Financial Organization

When future historians write about landmark years in economics and financial markets, 2022 will make thetop-ten list. Driven by the highest inflation and most aggressive tightening cycle in 40 years, the uneven reopening from COVID, and the Russian/Ukrainian war, both stocks and bonds fell by more than -10% for the first time on record. In the end, the S&P 500 fell -19.4%, its seventh-worst year since 1926; and the Bloomberg Barclays U.S. Aggregate Bond Index fell -13.0% making 2022 the worst year on record for bonds..... .. read more


There's no shortage of get-rich-quick deals and wealth accumulation strategies that over-promise, but will those “poof, you're rich” schemes help you sleep better? For over 20 years, CFO Capital Management and the Cruice Financial Organization have been dedicated to providing its clients with investment peace of mind and confidence in their financial future. We believe in prudent, long-term investment management through disciplined financial planning. Our approach stresses the importance of developing and implementing a sound, real-world plan that protects your current wealth while building higher levels of future prosperity. As your personal CFO, we will guide you forward through our hard work, diligence, and agility to meet your evolving personal needs in a dynamic world.


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To get a true idea of our dedication, experience and vision, call us today for a consultation. We're confident that you'll start sleeping better after our very first meeting.

 —Jay S. Cruice, Jr., M.B.A., CFP™, CLU, ChFC, CFS




C.F.O. Financial Planning is a disciplined process that can help you accomplish your life goals including taking control of your financial life, making sound financial decisions and ultimately achieving financial independence and a satisfying retirement.




C.F.O. Financial Planning is rooted in and secured by sound, cost effective risk management strategies that help you sleep well at night by protecting your family's financial future against the unforeseen expenses that arise from potential liability, disability, life and other health risks.




C.F.O. Financial Planning – above all else – is directed toward the achievement of our clients' long-term prosperity, which is more than about just wealth accumulation. Prosperity includes the personal enrichment that comes from pursuing good health, maintaining strong family values, and having a solid sense of personal accomplishment and goal achievement.