Buttonwood Capital Management (bcm)

Buttonwood Capital Management, LLC is an independent financial planning and wealth management firm established in 2009 by Andrew B. Sosnowitz, who has over 20 years of investment experience. The firm operates as a registered investment adviser (RIA) with a focus on providing fiduciary services to clients. Buttonwood offers asset management services, including discretionary and non-discretionary investment advice tailored to individual client needs. The firm also provides financial planning services on an hourly or flat fee basis, covering various aspects such as cash flow analysis, tax planning, retirement planning, and estate planning. For asset management, Buttonwood charges fees based on a percentage of assets under management, with a fee schedule ranging from 0.65% to 1.5% based on account size. The firm may also participate in LPL Financial-sponsored advisory programs. Clients may incur transaction charges for trades executed in their accounts, separate from advisory fees. Buttonwood does not accept performance-based fees and discloses potential risks associated with various investment strategies, including market risk, interest rate risk, and credit risk. The firm does not have custody of client funds or securities, and clients receive account statements directly from custodians. Buttonwood does not vote client proxies but may engage third-party money managers for this purpose. The firm maintains a Code of Ethics to ensure transparency, integrity, and compliance with securities laws. Clients are encouraged to review financial planning issues annually with their advisor. Buttonwood Capital Management, LLC does not have any disciplinary events to disclose and does not require prepayment exceeding $1200 per client.