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Calm Ocean View

BWAG Portfolio Allocation Philosophy

Our mission is to be an exceptional steward of wealth for our clients. Through our risk-based allocation strategies and a keen focus on investor objectives, we will strive to deliver consistent successful results for our clients.

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Fully Diversified Portfolio Example:

  • Stocks: Stocks perform best when the economy is growing and corporations are growing profit.  The goal for this allocation is growth and income. 

  • Bonds: Bonds perform best when low/negative growth or when interest rates decline.  The goal for this allocation is income and principle preservation.

  • Fixed Accounts: Fixed accounts perform in any environment.  The goal of this allocation is to always have an emergency/opportunity funding as it has no volatility or sensitivity to rates or markets.

  • Real Estate: Real Estate performs best in inflationary and growth environments.  The goal of this allocation is income and growth.

  • Private Equity: Private Investments perform best when execution and the business accomplish their objectives.  The goal of this allocation is growth, with no sensitivity to growth.

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Retirement Distribution

BWAG Income Maximization: 

We help you build a mix of stocks and bonds to create an annual income source as the foundation of your retirement income design goals….we then supplement this with capital gain income from laddered capital assets sales over the next decade.

 

BWAG Retirement Tax Diversification:

Design to have capital gains and tax-free income to complement taxable income, from both retirement and interest income.

This will lower your average tax bracket and save you as much as 10-20%/ year in tax.

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