Burgos & Brein Wealth Management

Burgos & Brein Wealth Management is a fee-based financial planning and consulting firm that works with individual clients on retirement, cash flow, estate planning, and long-term care planning. The firm delivers written financial plans and periodic reviews and acts mainly as a facilitator to implement recommendations rather than as a discretionary portfolio manager.

BBWM does not maintain or directly manage client investment accounts or charge percentage-of-assets management fees; instead it provides planning on an hourly basis and refers clients to third‑party money managers for portfolio management. When third‑party managers are used, BBWM serves as a liaison, reviews quarterly reports, and discloses the third party’s Form ADV and fee schedule to clients.

Notable differences from many peers include the firm’s ties to the insurance industry: supervised personnel maintain an outside insurance-agent practice and the firm’s members are affiliated with entities that sell insurance products, which can create commission-related conflicts disclosed in the brochure. The firm also receives referral or solicitor fees from third‑party money managers, a revenue arrangement it discloses and offsets with written disclosures and client consent.