Birchwood Financial Partners, Inc.

Birchwood Financial Partners, Inc., formerly Kramer Lothrop Brewer Financial, Inc., has been providing personalized financial planning and investment management services since 1990. The firm became a registered investment advisory firm in 2014 and is owned by Dana Brewer, Bridget Handke, Damian Winther, Steve Dixon, Kimberly Andrews, and Rachel Infante. Birchwood offers fee-only financial planning and investment management services primarily to individuals and couples, focusing on aligning financial resources with clients' goals and values. The firm emphasizes integrity, trust, and empowerment in client relationships, with a commitment to putting clients' interests first. Birchwood's investment strategies are based on Modern Portfolio Theory, aiming to achieve optimal balance and risk tolerance in client portfolios. The firm provides discretionary and non-discretionary asset management services, financial planning, and consulting, with a minimum account size of $1,500,000. Birchwood does not act as a custodian of client assets but has custody due to direct fee deduction and third-party money movement authorization. The firm's fee structure is based on a percentage of assets under management, with fees billed quarterly in advance. Birchwood does not receive external compensation for the sale of securities to clients and does not engage in performance-based fees. Clients are encouraged to vote their own proxies, and Birchwood does not vote proxies on securities. The firm has no financial conditions impairing its ability to meet commitments to clients and has not had any bankruptcy petitions in the past ten years.