Investment Advisory

Three Tier Strategy

Managing risk, building your wealth, and having a plan in place to guide you through market uncertainty is why we use a three-tier income strategy. This investment planning is designed to balance immediate income needs with long-term growth objectives by segmenting investments based on time horizons and risk tolerance. This approach helps ensure that funds are available when needed while also positioning assets for future appreciation. BW Wealth Management clears through LPL Financial, the biggest independent broker dealer in the country, LPL has over one thousand selling agreements with the biggest investment firms that have met SEC, FINRA and LPL standards to be on the platform. LPL has no proprietary funds allowing us to use the best products available for our clients without conflicts of interest.

Tier One

Short Term

To cover essential living needs, provide immediate income for emergencies or short-term goals with assets invested in conservative liquid investments.

Checking
Savings
Money Market
CD’s

Tier Two

Intermediate needs

Aligning your investment strategy with your intermediate-term objectives involves balancing potential returns with an acceptable level of risk, ensuring that your portfolio is structured to address your financial goals within the desired timeframe to provide growth and income while being more resistant to market fluctuations using actively managed portfolios, fixed guaranteed investments and structured products that allow the client to determine the amount of downside risk they want to take and also have the ability to make money when market is down but within clients chosen buffer.

Tactically Managed Portfolios
Fixed Guaranteed Investments
Unit Investment Trusts
Bank Notes
Structured Annuities
Buffered ETF’s
ETF Floors
Bonds

Tier Three

Long Term Investing

Investments in this tier are generally more volatile but offer the possibility of higher returns over time. These investments are earmarked for long-term growth to be used later in retirement.

Tactically Managed Portfolios
ETF’s
Stocks
Alternative Investments
REITS
CRYPTO