BW & Associates, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
BW & Associates, Inc. provides investment management, individual portfolio management, and financial planning and consulting to a mix of individual clients (including high-net-worth individuals), charitable organizations, and businesses. The firm offers strategies that primarily use open-end mutual funds, ETFs, and variable annuities and delivers ongoing advisory services as part of its investment management engagements.
BWA follows a long-term, asset-allocation-driven approach with an emphasis on buy-and-hold mutual fund and ETF allocations and does not employ market-timing or tactical trading. The firm operates largely on a non-discretionary basis—implementing recommendations only with client approval—while retaining limited discretion to reallocate assets to raise cash for fee debits and to debit its advisory fee.
Distinctive features include managing approximately $692.8 million of client assets on a non-discretionary basis (as of 12/31/2025) with a relatively small advisory staff, which results in a high amount of assets per advisor. The firm routinely places mutual fund trades directly with fund companies, routes ETF business through Cetera/Pershing custodial arrangements, and regularly advises on variable annuity matters (including 1035 exchanges), disclosures and procedures it identifies as potential sources of conflict of interest.
Client services
Expertise
Fee options
Under $200,000 - $199,999: 1.25% $200,000 - $1,999,999: 1.00% $2,000,000 - $3,999,999: 0.90% $4,000,000+: 0.75%
Account minimum: $100,000 Fee-only: Investment advisory fees negotiable, generally ranging from 0.75% to 1.25% annually depending on the strategy and asset level
Main office
3111 N. Tustin Street, Suite 215
Orange CA 92865
Advisors at this office
2
Most active in
Arizona · California · Florida · Nevada · Texas
Also doing business as
Bonnie Wusz & Associates, Inc. · Bw & Associates, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Bonnie W
CFP®, Series 63, Series 65
Orange, CA
BW & Associates, Inc.
Bonnie Wusz is a CFP® professional with 43 years of industry experience, currently serving at BW & Associates, Inc., a firm she has been affiliated with since 1989. She previously worked at Girard Securities, Inc. from 2002 to 2017 and Cetera Wealth Services, LLC from 2017 onward. She holds Series 63 and Series 65 licenses in addition to her CFP® designation. BW & Associates, Inc. manages individual portfolios and provides financial planning and consulting to individuals, charitable organizations, and businesses. The firm employs a long-term, asset-allocation-driven approach focused on buy-and-hold strategies using mutual funds and ETFs, operating primarily on a non-discretionary basis with client approval for all trades.
Laurel H
Series 63, Series 65, Series 66
Orange, CA
BW & Associates, Inc.
Laurel Hackett is a financial advisor with BW & Associates, Inc. in Orange, CA, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. Her prior work includes long tenures at Girard Securities, Inc. and Cetera Wealth Services, LLC. Hackett is also a licensed notary and serves as successor trustee for the Wusz Family Trust. BW & Associates, Inc. provides investment management, portfolio management, and financial planning services to individuals, charitable organizations, and businesses. The firm emphasizes a long-term, asset-allocation-driven approach primarily using mutual funds, ETFs, and variable annuities, operating largely on a non-discretionary basis.
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