Atascadero, CA Office

SWMG provides financial planning and investment management to individuals (including high‑net‑worth clients), trusts, estates, and business entities. Services described in the brochure include comprehensive and modular financial planning, investment management delivered in unified managed accounts (UMAs) through third‑party asset managers, estate‑planning facilitation via a third‑party platform, and tax overlay management.

The firm typically implements portfolios via third‑party model portfolios and UMA managers, and it offers both discretionary and non‑discretionary arrangements depending on client authorization; TPAMs execute strategies using stocks, mutual funds, and ETFs. SWMG states it conducts periodic portfolio reviews (at least quarterly or semi‑annually as described) and uses technology such as video conferencing and audio/video transcription to document client meetings and support its compliance program.

Noteworthy features relative to peers include a structured program of fee‑based financial education seminars and workshops run through local colleges and businesses (the firm notes these events are used to promote advisory services and may generate shared revenue). The brochure also discloses the use of direct‑at‑fund accounts held on a mutual fund transfer agent’s books (American Funds Service Company) with different billing and custody implications, the firm’s use of foreign‑based administrative support for non‑advisory tasks, and multiple affiliations (insurance, real‑estate investment and management, recruiting, and tax/business planning) that can create referral or compensation conflicts requiring disclosure.