Broker Check

BWA Conservative portfolio

BWA Conservative Portfolio - October 2020 changes & update.


Compliance approval: 1-5065469

BWA Conservative portfolio update at of June 2020.

Compliance approval: 1-05021243


We added 5% to "Alternative" investments in our Conservative and Moderate Conservative portfolios on 3/31/2020.  Our Goal was to provide income to our portfolios.  The due diligence on these investments started in March of 2018.  We completed all of the client paperwork from 5/2019 to 12/2019 (*Remember lots of paperwork and DocuSign emails) so that we could add these investments into 3 of our discretionary portfolios.

We added 5% of these investments to our Moderate portfolio as of 4/9/2020.  We plan to bump these investments to 10% within the month.  Call it a "work in process".  Please call if you have any questions as we are very limited in what we can put here on our webpage as these are complex products.  The video below gives our clients a general overview.  Please call Amy at 781-772-2470 or 401-383-1500 if you would like to schedule a 15 minute call to review how these products work.

Want to learn about Buffered Notes?

**Click here to learn more.**

LPL Tracking #1-602642

Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

Compliance 1-982230


 (**Special Guest via ZOOM**)

BWA Conservative Portfolio update for April 2020.

Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

Compliance approval: 1-5002598

BWA Conservative Portfolio video updates for January 2020.

Compliance approval: 1-949581


“All references to “portfolios” refer to our client portfolio strategies.”

Compliance approval: 1-919572 (12/11/2019)


Compliance approval 1-858518 6/4/2019

BWA Conservative (*Click here for larger image/To print)

BWA Conservative Stress Test click here to open/print a larger image

August 2019 Adjustment: Risk Number = 5

BWA Conservative Heat Map (*Click here for larger image/To print)


May 2019 updates: Risk Number = 7.

**Lowered Risk number from 19 down to 7.  Sold out of Real Estate and lowered Equities from 10% down to 5%

BWA Conservative Portfolio Riskalyze report

BWA Conservative_05.30.19 Fi360 report

BWA Large Convervative Morningstar report 5.2019


March 2019 updates: Risk Number = 19.

BWA Conservative Portfolio Riskakyze - March 18 2019

Fi360 BWA Conservative_03.15.19

BWA Conservative Morningstar report as of March 2019


Compliance Approval 1-815747

International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. These risks are often heightened for investments in emerging markets. The prices of small and mid-cap stocks are generally more volatile than large cap stocks Bonds are subject to market and interest rate risk if sold prior to maturity. An increase in interest rates may cause the price of bonds and bond mutual funds to decline. Bond yields are subject to change. Certain call or special redemption features may exist which could impact yield Alpha — Measures risk-adjusted performance and is generally calculated as the difference between the returns of an investment and its benchmark.

November 2018 updates: Risk Number = 22.

Conservative Portfolio Fi360 Report Nov 2018

BWA Large Conservative Mstar report

BWA Conservative Portfolio Riskalyze Report

9/21/2018 changes

In the Conservative model sold off all of Am Cent Short Dur with proceeds bought 2019 + 2020 Ishares Corp Bond Ladder.  The goal with this change was to achieve a YTW (yield to worst) of over 3% on both instead of seeing the bond fund continue to lose NAV based on interest rate hikes.

05/2018 rebalance

Conservative Model - we added our only equity weighting in this model by purchasing iShares Edge MSCI Min Vol USA ETF (symbol USMV). This holding attempts to build a volatility focused US equity portfolio including both both large and mid cap companies. The fund will typically lag its peers in a strong equity market but is designed to hold up better in a market downturn.

In regards to our bond allocations,similar to our other models, based on the current interest rate environment we have emphasized a shorter duration approach. One of the holdings we have purchased is Prudential Short Term Corporate Bond Fund (symbol PIFZX) which has an excellent long term track record. We also added  a multi sector short term bond fund by purchasing American Century Short Duration Strategic Income Fund (symbol ASDVX). This fund has the ability to invest in different sectors of fixed income with a management team mandate of mainly shorter duration investments.

Conservative Model changes May 2018 *Click here to Listen ~1min*

Compliance approval 1-806711 1/3/2019