Boltwood Capital Management

Boltwood Capital Management is a California-based investment advisor firm established in 1986. The firm offers investment management and financial planning services to individuals, families, estates, and foundations. Portfolios are managed based on client-specific Investment Policy Statements, reflecting financial objectives and risk tolerance. The firm employs a long-term investment strategy designed to perform throughout economic cycles, with a focus on reducing fluctuations in portfolio values. Clients typically grant full discretion to manage their portfolios, allowing for flexibility in decision-making. BCM does not implement specific Environmental, Social, and Governance (ESG) strategies but accommodates client preferences in their IPS. BCM does not have a minimum account size requirement but adjusts fees based on account size and investment strategy. Fees are calculated as a percentage of assets under management, with rates ranging from 0.50% to 1.00%. The firm does not charge performance-based fees and does not participate in wrap fee programs. Clients are responsible for custodian and broker fees. The firm's two employees, Michael J. Stock, CFA, and Zachary R. Wolf, CFP®, each own fifty percent of the firm. Both principals have clean disciplinary records and hold relevant professional designations. BCM's investment committee reviews portfolios quarterly, with additional reviews triggered by market conditions or client objectives. The firm emphasizes a fiduciary duty to act in the best interests of clients and maintains a Code of Ethics to guide professional conduct. Clients receive regular statements and reports on their accounts. The firm does not have custody of client assets and recommends Charles Schwab & Co., Inc. as a qualified custodian. The principals are supervised by BCM's Board of Directors.