FAQs — Conversation Starters
Given my financial situation, should I choose an investment advisory service?
Why or why not?
Brixton Capital Wealth Advisors (BCWA) only provides investment advisory services and insurance and annuity products. We provide both discretionary and non-discretionary advisory accounts. We provide ongoing monitoring of your account(s).
BCWA is not a broker dealer and does provide brokerage account services. BCWA does not offer commission-based accounts. We only offer fee-based accounts because of the conflict of interest with commission-based accounts. We believe fee-based accounts are the best alternative for our clients.
BCWA offers a variety of investment advisory programs and services to our clients, including financial planning, non-discretionary and discretionary asset management and securities offered through our investment advisory programs. We act as your investment advisor only when we have entered into a written agreement with you that describes our advisory relationship and our obligations to you.
You will also receive a disclosure document about our advisory services that describes, among other things, our business, the services we provide, our advisory fees, our personnel, and potential conflicts between our interests and yours.
Investment Advisors are governed by the Investment Advisors Act of 1940 and applicable state securities laws. When acting as your investment advisor, we are considered to have a fiduciary relationship with you. Please note that the fact that we owe fiduciary duties to you as an investment advisor does not mean we are or have accepted responsibility as a fiduciary under ERISA or the Code.
For advisory retirement accounts, where we regularly provide recommendations for a fee to you with respect to such retirement account and its assets, we are acting as a fiduciary under ERISA and/or the Code and will always make recommendations that are in your best interest. In an advisory relationship we are obligated to:
-
Disclose or avoid material conflicts of interest;
-
Conduct proper due diligence on investment choices and review clients’ investment objectives and risk tolerance (as provided by the client) to make suitable and appropriate investment recommendations or decisions on behalf of the clients; and
-
Act in your best interests by providing investment advice that is based on your stated overall financial situation and investment objectives.
How will you choose investments
to recommend to me?
An investment advisor works with you to determine the best investments for your portfolio. To do this, they must get a complete understanding of your financial situation, investment goals and risk tolerance. Investment advisors will assess your existing portfolio and recommend an investment strategy based on your goals. With your authorization, they’ll purchase investments on your behalf.
Investment advisors will tell you what types of securities to invest in, like stocks, bonds, ETFs, or mutual funds. They will also advise you on the risks associated with each type of investment and your expected rate of return, in addition, they will let you know what types of taxable income your investments will generate and how to make your investments as tax efficient as possible.
If you have a specific investment need, an advisor can likely help you with that as well. Say, for example, you want to write options on company stock or create a bond ladder for retirement. Specialized investment advisors can provide focused advice on topics like these without needing to assess your entire retirement portfolio.
What is your relevant experience,
including your licenses, education
and other qualifications?
What do these qualifications mean?
Our Advisors are experienced in wide range of investment products, including stocks, bonds, mutual funds, options, ETFs, municipal bonds, taxable fixed income, tax-free income, and REITs.
The experience of our advisors can be found here:
On https://adviserinfo.sec.gov/
and in the