Our services can best be summarized as “total wealth planning”-the multi-leveled integration of financial planning, investment management and client service.  Using advanced tools and technology, we regularly monitor and track the following total wealth planning topics and services:

Retirement Planning

  • Social Security review and claiming strategies
  • Retirement income planning and optimization
  • Pre- and post- retirement planning and savings analysis (including IRAs, employer plans, deferred compensation)
  • Planning for lump-sum and periodic distributions: pensions, deferred compensation plans, executive compensation packages, etc.


  • Active Portfolio Management-monitored daily, rules-based methodology, striving for low cost and tax efficient allocation
  • Risk Review and portfolio Stress Testing-test the impacts of historic markets scenarios versus your current portfolio and you individual risk profile
  • Real estate and liabilities- analysis, education, tracking
  • Employee benefit education: employee stock, employer retirement/profit sharing plans, stock options, pensions
  • Employee benefit education: employee stock, 401(K), profit sharing plans, stock options, etc.
  • Managing concentrated stock positions

Cash Flow Management and Budgeting

  • Net-worth review, updates. Aggregation (real-time data feed) of outside account balances and education
  • Expense tracking and monitoring plan alignment: cost of living adjustments, appropriate level of cash reserves or alternative liquidity

Estate Planning Strategies

  • Estate investment planning and analysis
  • Titling of assets and account-level beneficiary assignments
  • Legacy planning
  • Charitable remainder trusts and philanthropic donor services

Education Planning and Funding Strategies

Insurance and Medicare

  • Analysis, assessment and referrals (life insurance protection, life insurance estate structuring strategies, long-term care, healthcare education, Medicare)

Additional Services

The list is extensive but includes some of these highlights:

  • Behavioral coaching
  • Business succession planning
  • Liquidity event optimization: sale of company stock, sale of business, inheritance, etc.
  • Distribution and “Realization” Strategy-how to plan for your retirement “paycheck”
  • Complex Review of “what-if” scenarios – when you come to a fork in the road, we can run side-by-side comparisons of the long-term impacts on your plan (integrated with all the other components staying the same)

Read more about our Wealth Planning services HERE.

BWM Financial does not provide tax and/or legal advice.  Clients should consult with their personal tax and/or legal advisors regarding the tax consequences of investing.