Our philosophy and approach. You and your needs.

While all investors have a few things in common—a desire to maximize returns and minimize risks or seek capital preservation —each of us is different in terms of personal preferences, values and specific objectives. That’s why we always focus on understanding and communicating with our clients first. We want to get to know you personally and form a relationship with you, so we can help you invest to achieve your individual goals.

The Bridgewater Process: 360 Degrees of Service

Bridgewater Wealth & Financial Management has developed a 5-step process for investing your wealth that is simple and personalized to you. At the same time, it leverages our technology, expertise and professional integrity to tailor a flexible, dependable and powerful plan that can seek to meet your needs regardless of life’s twists and turns.

STEP 1: LISTEN

First we listen to you. We want to understand your liquidity needs, time horizons, tax matters, family considerations and tolerance for risk. But we also want to get to know you personality, how you like to “operate,” and the full implications of your objectives.

STEP 2: PLAN

After agreeing on an optimal investment strategy based on your needs and who you are, we create a personalized asset allocation plan using Monte Carlo simulation and optimization models. This powerful technology analyzes such variables as time horizons, cash-flow requirements, terminal value goals and tax considerations to develop, evaluate and adjust an overall plan.

STEP 3: CONSTRUCT

We build a portfolio using an intelligent understanding of asset allocation. Our professional judgment, technical expertise, and intimate knowledge of our clients allow us to truly optimize this plan. During this phase, we also incorporate style bias, alternative strategies, and tax efficiency maximization measures.

STEP 4: IMPLEMENT

We work with a network of money managers to administer your plan. Because we take no commissions, we have the flexibility to hire the managers we believe are the most qualified to pursue a strategy that works. In fact, our manager selection process is quite rigorous. We seek professionals who consistently exceed the respective benchmarks for each asset class without taking undue risk.

STEP 5: MONITOR

We are always looking out for you, performing ongoing manager due diligence on your behalf. We keep a close eye on your portfolio, and we keep you informed. At the end of each quarter we prepare an easy-to-read consolidated report that analyzes your complete financial picture in one source.

Reporting to the boss: You.

Our relationship is important to us, and we believe it requires a certain amount of one-on-one time to nurture it properly. We meet with you in person on a regular basis and discuss your portfolio performance, making any adjustments as necessary. We measure your returns and tax reporting gains and losses, and we break down each fund manager, measuring against all appropriate benchmarks including peer managers. At the end of each year we provide you with a comprehensive tax package including year-end reconciliation of all 1099s.

Investment Advisory Overview
Investment Advisory Services