BFA Wealth Management

BFA Wealth Management provides financial planning and discretionary portfolio management to individuals and high-net-worth households, including their trusts, estates and retirement accounts. The firm offers a one‑time comprehensive Wealth Plan as the usual onboarding step and ongoing Wealth Management that incorporates continual planning, and it charges asset-based advisory fees alongside fixed planning fees described in its brochure.

The firm’s investment process begins with the client’s goals, cash flow, time horizon, tax situation and any equity compensation or concentrated positions, then sets an investment policy and implements it primarily with exchange‑traded funds, institutional mutual funds and, when present, individual employer stock positions; portfolios are managed for the long term with periodic rebalancing. BFA requires client custodial accounts at Charles Schwab and relies on Schwab for trade execution, reporting and fee deductions.

A distinguishing feature is the principal’s material outside real estate activity: the brochure discloses a Florida real estate license and the ability to act as a client’s agent for a commission, and ownership/management of private real estate entities that sponsor and sell interests to accredited investors (private fund and syndication activity). The firm states it does not offer, recommend or advise clients to invest in those entities, provides written conflict disclosures and offering documents on request, and notes those outside businesses occupy about 27 hours per month and are a substantial source of the principal’s income.