TBG Wealth Map
- 1. THE BRIDGEWAY GROUP AN INTRODUCTION TO OUR FIRM AND SERVICES Matthew B. Dupon, CFP,速 AIF速 Sean A. Montgomery, CFP速 Theresa M. Mahoney 301 E Colorado Blvd. Suite 500 Pasadena, CA 91101 626.460.0400 1037 Park View Drive Covina, CA 91724 626.502.1923 www.thebridgewaygroup.com info@thebridgewaygroup.com The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Rev 04/15
- 2. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 1 OUR VISION At The Bridgeway Group, we help our clients make informed decisions with their money. The Bridgeway Group is a full service wealth management firm that liberates successful people and families from the day to day worries of managing and monitoring their assets, which allows them to focus on what is most important. Through a collaborative process, we create a customized financial plan designed to bridge the gap between preserving wealth and preparing for the future. Our wealth management process allows us to understand not just their financial goals and challenges, but who our clients truly are as people, including their most important values and motivations. Along with our professional network, we identify the concerns they have about achieving all the things that are important to them and formulate recommendations that will maximize the probability that they are able to achieve those things. 油 Investment Consulting Relationship Management Advanced Planning WEALTH MANAGEMENT
- 3. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 2 OUR KEY BUSINESS PRINCIPLES At The Bridgeway Group, we entirely believe in the power of individual choice. After all, it was that same power that founded our firm! When you go to a financial professional with a famous Wall Street name, you dont necessarily get that choice. Although many big-name firms offer quality investment products, the ones that a financial professional can offer may be chosen by people who dont know you. These firms also may impose sales quotas on the financial professional helping you. In other words, your investment choices may be limited choices, and there may be hidden agendas. We dont think thats the right way to do business. Heres what we think is the right way to do business: Care for our clients in the way wed want for ourselves. We founded The Bridgeway Group to be the kind of place where wed want to be clients, if we didnt already work here! We treat our clients the way they want to be treated: respected, informed, and heard. We dont expect our clients to demand any less. Know our clients and their goals. We understand that investing is more than just a numbers game. Theres emotion involved as well. People assign different values to money and approach investing for many reasons. The so-called best investments arent necessarily the best for everyone. When we first get to know each other, well ask you a lot of questions so that we can learn about you as a person, and well tailor your investments and wealth management plan accordingly. We want to be just as excited about your dreams as you are. Treat clients like people, not like portfolio balances. One thing youll notice about our firm is that were friendly. Down to earth. Good listeners. Having been in the business a long time, weve encountered this mix of attitudesand a whole lot of market cycles (both good and bad!). Weve got a lot of perspective that can help to guide and reassure you through the ups and downs. Empower clients to feel confident about their decisions. You dont have to know the difference between a REIT and a UIT when you come to see us. Were happy to explain it to you if youre curious. If youre not, thats okay, too. Some clients want to take more of a hands-on role in the investment process; others want nothing to do with it. Either way, our goal is to make sure you sleep easily at night, secure in the knowledge that your money is working effectively for you. Practice time-tested financial approaches. At The Bridgeway Group, we follow prudent financial principles. We treat your money responsibly and objectively. As your needs or financial picture changes, well work with you to adjust your course of action accordingly. We monitor your portfolios performance so you dont have to worry.
- 4. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 3 THE ROLE OF THE WEALTH MANAGER To ensure that your familys most important financial issues are addressed as needed, we serve as your personal chief financial officer. As your personal chief financial officer, we perform a diagnostic report of your current situation with our recommendations for repositioning your portfolio to help maximize your probability of success. Your customized investment plan centers around five steps: 1. Assess your goals and circumstances. 2. Set long-term investment objectives. 3. Plan your asset allocation. 4. Select your investment approach. 5. Build your portfolio. The best investment plan for you depends on your specific circumstances and objectives, which is why we began the investment planning process with the discussion of what is most important to you during our discovery meeting. We set the foundation of your financial house through the investment plan. Once this is in place, we address additional components of your financial picture as needed, including working with your other advisors to ensure that you remain on track to achieve your goals.
- 5. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 4 DEFINING THE WEALTH MANAGEMENT PROCESS No two investors are alike. Each has different circumstances and aspires to different dreams. As wealth managers, we can meet your needs well only when we know you and your unique life situation well. At The Bridgeway Group, we use the following systematic consulting process for uncovering your most important goals and for designing and implementing appropriate solutions. 1. Discovery meeting. At our initial meeting, we conduct a discovery interview. This helps us identify the challenges you face in achieving all that is important to you. We examine your current situation, the goals you would like to achieve, and how we can maximize the possibility of achieving those goals. 2. Investment plan meeting. At this meeting, we present our diagnostic of your current situation and our recommendations for how we can bridge the gaps in order for you to reach your goals. This plan forms the foundation for all of our work together. 3. Mutual commitment meeting. At this meeting, we are ready to make a mutual decision about whether our firm can add substantial value and whether we should proceed. Should we both choose to work together, we commit to each other to work toward achieving everything that is important to you and your family. We also execute the documents necessary to put your investment plan into motion. 4. 45-day follow-up meeting. When you have multiple investment accounts, its easy to become overwhelmed with the amount of paperwork you receive. At this meeting, we help you organize all that paperwork in a binder that we provide. We also answer any questions you may have so that you understand exactly what is happening with your money. Regular Progress Meetings These meetings, which we schedule at intervals convenient to you, provide us an opportunity to review any major changes in your personal or financial situation since our last meeting. If these changes mean that we need to make adjustments to your investment plan, we do so. We also review your overall progress toward your long-term financial goals. This meeting is also our opportunity to implement advanced planning recommendations that may be appropriate for your situation. We will present to you our advanced plan at our first regular progress meeting so that we can prioritize those areas of greatest importance to you and then begin to address them systematically. DISCOVERY MEETING Complete discovery process INVESTMENT PLAN MEETING Presentation of Investment plan MUTUAL COMMITMENT MEETING Confirmation of commitment 45-DAY FOLLOW-UP MEETING Organization of paperwork REGULAR PROGRESS MEETINGS Review of progress and implementation of advanced plan
- 6. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 5 HOW DOES THE BRIDGEWAY GROUP ADD VALUE? With so many professionals, corporations, and even websites offering investment advice, its easy to get confused by the array of services, products, and plans. Prospective clients often ask us,Where do you add value? What distinguishes you from the pack?What follows is a brief response designed to assure you that partnering with our firm could be among the wisest decisions you ever make. There are literally hundreds of thousands of people in the field of financial services who act as investment advisors, managing a clients portfolio for a fee or earning commissions on trades. But few of them ever consider doing anything beyond investments. We believe that we can offer superior investment guidance while providing something morecomprehensive wealth management. At The Bridgeway Group comprehensive wealth management includes implementing the following techniques to help our clients reach their financial goals and make better decisions with their money. 1. Suitable Asset Allocation 91% of investment returns are attributed to asset allocation. 2. Low Cost Solutions implementing cost effective strategies has a direct impact on the success of a plan. 3. Portfolio Rebalancing - minimizes risks and keeps the portfolio aligned with its original objectives. 4. Behavioral Coaching an individuals approach to money is often very emotional and can easily lead one into fruitless endeavors; selling low, chasing performance or just making overall bad decisions in the heat of the moment. Through an open and trusting relationship we can add focus, discipline and guidance. 5. Asset Location minimize your taxes by properly placing your assets into the appropriate account. 6. Spending Strategy when the time comes to live off of your assets, the proper order of taking money from your accounts can increase the longevity of your assets and reduce the taxation of the distribution. 7. Total-Return in todays world an income- only approach is not viable. Instead, using a total return approach that incorporates income and capital appreciation offers less risk, better tax efficiency and longevity to your assets. We look at comprehensive wealth management as a dynamic and ongoing process that lasts throughout your life. When we need outside expertise we rely on our partnerships with CPAs, attorneys, and other professionals dedicated to working as a team to meet all aspects of our clients needs. Most importantwhat separates our firm from the othersare the relationships we develop with our clients. We built our firm based on the fundamental elements of mutual trust, honesty, and respect, which helps us deliver the best client experience possible. Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.
- 7. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 6 Working with a team that redefines wealth management Ask ten investors to define wealth management. Actually, ask ten wealth managers to do so. Youll almost definitely get ten different answers, and most are likely to be heavily focused on investing. As a client of The Bridgeway Group, however, you benefit from a cutting-edge team that has a clear and comprehensive vision of wealth management. Our consultative process We approach each new engagement with a time- tested, collaborative process. This allows us to have an open dialogue in which we learn about your values and goals while working with you to tailor a plan to help meet them. As a valued client, you can offer a portion of our services, complimentary, to your friends, family and associates. What to expect from the Second Opinion Service We will meet with your friends, family and associates for a discovery meeting and then invite them back for a wealth management plan meeting. Hopefully, we can confirm theyre on track to meet their values and goals. If needed, well suggest ways in which we can help, including recommending someone else if were not a good fit for their needs. Either way, theyll receive both a Total Client Profile and personalized analysis of their current situation. Second Opinion Service Let us help those you care about. Contact us today WEALTH MANAGEMENT SECOND OPINION SERVICE Exclusively for friends,family and associates of our valued clients In this challenging economy,you probably know a friend,family member or colleague who may be in a complex situation or just unhappy with the advice from their financial advisorits not uncommon.Recent studies have shown that over 80% of high net worth investors would value a second opinion.And according to a recent study by Vanguard*,financial advisors can add about 3% of value in net portfolio returns over time. In order to help the people you care about pursue their financial goals, we have created our complimentary Second Opinion Service. Were pleased to offer your friends, family and associates some of the same expertise and guidance that youve come to expect as a valued client of The Bridgeway Group. Wealth Management Investment consulting Asset allocation Portfolio Management Manager due diligence Risk Evaluation Performance Analysis Step 1 Discovery Meeting Step 2 Wealth Management Plan Meeting Relationship management Regularly scheduled calls, reviews and in-person meetings Team of experts, including legal, tax, insurance and investment advisors Advanced planning Wealth enhancement, including cash flow, tax minimization and liability management Wealth transfer Wealth protection Charitable giving *Putting a value on your value: Quantifying Vanguard Advisors Alpha, Vanguard Research, March 2014.
- 8. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 7 INTRODUCTION TO COMMONWEALTH Commonwealth Financial Network速 was founded to serve as the home office for investment professionals committed to providing unbiased financial guidance to their clients. Unlike traditional Wall Street firms, Commonwealth does not produce or market any proprietary investment products, nor does it impose any sales quotas on its affiliated advisors. Accordingly, its national network of independent financial professionals is unique in its ability to make your needs the only motivating forceand that is the way it should be. As Commonwealth advisors, we are provided access to all national exchanges, as well as to a full range of quality investment products and services. After working to understand your risk tolerance, personal values, and time horizons, we can recommend a suitable combination of: ≒ Mutual funds ≒ Full-service stock and bond trading ≒ Unit investment trusts ≒ Real estate investment trusts (REITs) ≒ Fixed and variable annuities ≒ Life insurance ≒ Managed investment programs ≒ Limited partnerships ≒ CDs and money market accounts ≒ Retirement plans Commonwealths goal is to ensure that we are able to direct the maximum amount of energy possible toward our role as financial caregivers. It makes this feasible by supporting us with: Technology Commonwealths continual investment in leading-edge systems strives to provide superior account processing and management, as well as access to critical data. Research In-house experts at Commonwealth pore over vast amounts of financial data to offer advisors an additional perspective on investment decisions. Professional Education As Commonwealth advisors, we participate in a rich curriculum of technical seminars and educational programs reflecting the best practices in the growing complexity of financial issues. Account Support Informed investors enjoy greater personal comfort. Through consolidated monthly statements, online account access, and Commonwealths Service Center, we can provide you with all the information youll ever need. In todays complex economic environment, the major difference between making money and keeping money is knowledge. Investment decisions vital to your economic security are far too important to be ignored or left to a machineor to anyone whose primary responsibility is not you, the investor. Commonwealth believes in supplying primary financial care through independent financial professionals. Commonwealth Financial Network is a member of the SIPC, which protects securities customers of its membership up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available on request or at www.sipc.org. Unprecedented 10-Time Broker/Dealer of theYear Commonwealth is a 10-time recipient of Investment Advisor magazines prestigious Broker/Dealer of the Year award, which is based on various criteria that includes overall advisor satisfaction (1991, 1992, 1994, 199699, 2001, 2002, 2005).