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Bryn Mawr Wealth Management, LLC is an independent investment advisor. Since 2007, we have provided discretionary investment services on a fee only basis. Since we are not a bank, broker-dealer, or insurance company, we don’t sell loans, annuities, insurance, financial plans, hedge funds or partnerships. We only manage investments.

Our Unique Value As An Advisor

As a Registered Investment Advisor we are a fiduciary.  Because of this, we are working in the best interest of our clients, to fulfill our aim of prudently and effectively manage accounts.  To accomplish this we rely on an agreed upon investment policy, and we implement it using proven asset allocation principles. Our emphasis is on total return.  Many of our clients rely on us to manage their retirement income. Our unique value is our proactive and personal approach to managing risk and return for each client individually.

We feel that the following points distinguish us from many other advisory firms you may be considering.

  1. Bryn Mawr Wealth Management is a discretionary advisor who makes investment decisions based on a customized investment policy.
  2. We are an independent firm,  not owned by a bank, brokerage, or insurance company.
  3. By not selling products or services, we avoid conflicts of interest.
  4. Though we work with affluent households, we do not have account minimums.

Consequently, Bryn Mawr Wealth Management would be a good choice for you if want a  small independent advisor firm to manage assets without the sales culture of a bank, Insurance company, or Wall-Street Broker-Dealer.

Frequently Asked Questions

What is your investment process?

Our investment process is based an investment policy statement (IPS) that defines your  goals and risk tolerances. Thus, your IPS establishes the basis for managing investments for you with discretion. Based on this we establish an asset allocation strategy.  We select mutual funds and exchange traded funds that meet our selection criteria, and we monitor the strategy over time.

What is your investment Philosophy?

We have a strong bias for total return. This means that dividends and interest are an important part of overall return. Generally, we use bond funds to some degree in all of our strategies.  We also believe in diversification and we select mutual fund managers, or market indexes for each asset class using Morningstar analytics.

Do you only work with discretion?

Clients have the option to work with us without discretion if they wish.  However, these are typically legacy clients. Our recommendation to clients is to engage us on a discretionary basis.

What investment strategies do you use?

Typically our clients chose between Growth, Growth and Income, Balanced Income, and Conservative Income  Strategies. These differ in the amount of income that is generated, and in the proportion of equity funds relative to bond funds.  Full Information about this is available in our disclosure brochure.

Who has custody of client funds?

Bryn Mawr Wealth Management LLC never has actual custody of client funds. However, clients authorize limited powers that allow us to make investments and that gives us the capacity to bill fees.  TD AMERITRADE INSTITUTIONAL is our custodian for client accounts, and provides all investment services, generates account statements, trade confirmations, and provides a client accessible website. Clients also authorize our ability to distribute funds to them by direct deposit or delivery by written authorization to TD AMERITRADE INSTITUTIONAL.

About Robert Fertman

Robert Fertman is the sole owner and operator of Bryn Mawr Wealth Management LLC.  He has been a Financial Advisor since 1996.

Mr. Fertman began his financial career at Dean Witter before its merger with Morgan Stanley. He also worked at Wachovia Securities and as an independent  financial advisor at LPL Financial Services. In 2007 he registering his firm as an registered investment advisor and began managing accounts at TD Ameritrade Institutional.

Robert graduated Rider University in 1985 with a degree in finance, and also American University in 1994 with graduate degree in organization development.

Interests

Robert has a variety of personal interests unrelated to his investment business including acting, and has been in a variety of short independent films. He is also interested in dancing, and has been studying conversational Spanish for several years. He has a long term interest in the human  potential movement, and is also a certified life coach.

Investment Strategies

Asset allocation manages both risk and return. It does this by investing in equity, bond  and money market funds in set proportions.  Investments are further diversified in investment strategies into more specific categories. This  produces an average rate of return with a blended risk.

Each strategy has its own unique risk/return profile.  Though each strategy manages risk, it does not eliminate it.  There is always a possibility of loss when there is also a possibility of gain.  Generally an asset allocation strategy provides results over time that are consistent with its objective.

Here are some of the investment strategies we implement for clients:

Total Return Strategies

Growth & Income: Typically between 40%-75% is invested in equity funds, and a minimum of 25% in bond funds  (including any cash). The primary objective is appreciation of principal. Bond funds  generate income and reduce overall risk.   The investment time frame is at least 7 years.  This strategy has market volatility. Emphasis is on total return with a contribution from  interest and dividends.

Income &  Moderate growth: Typically between 20%-40% is invested in equity funds, and 60%-80% in Bond funds (including any cash) The primary objective is current income, and the secondary objective is  moderate appreciation.  Equity funds provide access to market returns, and to also generate dividend income.  Bond funds produce income and lower overall risk. The investment time frame is at least 5 years. This strategy has moderate market volatility and interest rate sensitivity. Emphasis is on current income and total return with less risk.

Capital Preservation and Income Strategies

 Income & Capital Preservation: Typically between 0%-35% is invested in equities funds and a minimum of 65% in bond funds (including any cash). The primary objective of this is income. Equity funds  reduce the risk of inflation, and generate dividend income. Bond funds produce interest income and lower overall risky.  The investment time frame is at least 5 years.  This strategy has both limited volatility and also limited growth. The emphasis is  on  current income, safety of principal, and keeping pace with inflation.

Low Risk & Safe : Typically 100% of this strategy is invested in bond funds (Including any cash). The primary objective of this is protecting principal and the secondary objective is income.  The investment time frame is at least 5 years. This strategy has limited volatility and no growth. The emphasis is on preservation of capital.

Capital Appreciation Strategies

Growth & Appreciation: Typically between 60%-100% is invested in equity funds. optionally between 0%- 40% in bond Funds. The objective of this strategy is capital appreciation.  Bond funds diversify, reduce volatility, provide income for reinvestment. The Investment time frame is at least 7 years.  This strategy has full market volatility.  The emphasis is on growth.

Aggressive Growth:: Typically 100% of this strategy  is invested through equity funds. However, up to 15% could be invested in bond funds. The time frame for investment is at least 10 years. This strategy has the highest Risk and the highest expected return.  The emphasis is above average returns.

Get More Information

For more information about Bryn Mawr Wealth Management, LLC. please contact us. Your contact information is kept private and is not shared.

If you would like to request our Client Disclosure Brochure, please provide your email address.

If you would like a free consultation, please provide your phone number and best time to call.

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