We pride ourselves on responsiveness and proactive communication. Because our close-knit team of skilled and experienced individuals works collaboratively, clients have the freedom to ask any one of us for assistance.  We often hear from clients that they feel informed and up-to-date due to our proactive communication throughout the year—from scheduling regular review meetings and

KNOWHOW BESPOKE ENGAGEMENT INTEGRATED FINANCIAL PLANNING RULES-BASED INVESTMENT MANAGEMENT Each of these is coupled with optimized efficiency based on years of experience, refinement, acute attention to detail and enveloped in deep resistance to complacency, putting clients above all else.

Your financial plan should encompass more than a summary of your investments, goals, and target dates.  It should not sit on a shelf gathering dust once it’s completed.  A financial plan should be a living, breathing document which evolves over time and adapts to changes in your life.  Most importantly, it should be a tool

To successfully implement a total wealth plan, you need an investment process which is dynamic and adaptable. Our process: Begins with the development of your financial plan, which includes a side-by-side stress test of your goals, savings, and income versus potential portfolios. This statistical simulation includes 1,000 possible market environments and helps us identify the minimum

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

Approximately 300 families*, and we add 5-10 new clients each year. Most of our clients are considered high net worth, with $2 million-$50 million in investable assets. Many of our clients are/were San Diego locals, but 20% are now spread throughout the country. Our clients are typically pre-retirees who are envisioning what they want the

Our service is priced to be competitive and aligned with your interests.  Annual fees begin at 1% of the first $1,500,000 assets managed and then drop to .5% of all additional assets managed. With answers to a few questions, we’ll quickly estimate the percentage fee, internal expenses, and trading based on your situation and the

Yes.  We act in a fiduciary role by placing our clients’ interest ahead of our own, addressing potential conflicts of interest, and disclosing our fees and how we’re compensated. Objective market research and lack of proprietary investment products support our commitment to keep our clients’ best interests in mind.

BWM Financial has over 100 years of collective financial advisory experience and manages over $1.2 billion.  We help affluent families face complex challenges and make critical and informed decisions. We maintain a commitment to excellence through continued coaching and professional training, along with a specific team structure that highlights areas of specialty. Our team’s certifications