Baltimore-washington Financial Advisors

Baltimore-Washington Financial Advisors, Inc. (BWFA) is a Fee-Only wealth management firm established in 1986, offering Financial Planning, Investment Management, Tax, and Business Services. BWFA's compensation is not contingent on financial product sales, ensuring objective advice. The firm's Investment Management Services cover a range of securities listed on public exchanges, government securities, and collective investment funds. BWFA's investment strategy focuses on long-term growth of capital, with a core investment horizon of three to five years. The firm tailors advisory services to individual client needs, offering various portfolio strategies and accommodating restrictions or special instructions. BWFA provides tax preparation, estimated tax, and tax advisory services integrated with financial planning. Business Services include business valuations, succession planning, accounting, and business financing assistance. For employer-sponsored retirement plans, BWFA offers fund lists, portfolio strategies, and educational seminars without managing employee assets. BWFA acts as a fiduciary, providing full investment discretion for managed accounts. The firm encourages clients to compare BWFA statements with custodian statements and offers detailed client reports. BWFA does not receive compensation for client referrals and does not take custody of client funds. The firm exercises full discretion over investment decisions, including proxy voting for client securities. BWFA maintains a strong financial condition and has never been subject to bankruptcy. Clients can request further details on the firm's financial condition if needed.