Investment CounselingGuidance when you need it. Control when you want it.
For investors who prefer to execute their own trades, need to keep assets at another institution, or want final approval over each transaction. BAM provides portfolio reviews, allocation guidance, specific investment ideas, and direct access to its investment team.
Guidance when you need it, control when you want it
Some investors want to remain closely involved in every decision. Others hold assets in an employer plan or institution that cannot be transferred. Investment counseling gives those clients access to BAM’s research and portfolio managers without requiring BAM to take control of the account.
The service is more substantial than a one-time second opinion. We establish an investment framework, review the portfolio initially and each quarter, discuss specific securities and opportunities, and remain available when questions arise.
You prefer to execute trades
BAM provides analysis and recommendations while you retain final authority.
Assets must remain elsewhere
Advice can cover an employer account or another institution without transferring custody.
You want independent review
We identify concentration, allocation, security, cost, and risk issues that may be easy to miss from inside the portfolio.
Analysis you can act on
Recommendations are discussed in the context of the full portfolio rather than delivered as isolated trade ideas.
- Target allocation across stocks, bonds, and cash
- Sector, security, and concentration-risk analysis
- A practical framework for evaluating future decisions
- Initial, quarterly, and requested reviews
- Analysis of unnecessary risk and improper exposure
- Review of product costs, holdings, and portfolio complexity
- Specific stock and bond ideas
- Credit-approved bond issuers and favored-stock lists
- Supporting metrics, investment reasoning, and direct access
BAM advises. You decide and execute.
Investment counseling is deliberately different from discretionary investment management.
What BAM does
Reviews the portfolio, recommends an allocation, analyzes investments, monitors material issues, identifies perceived buying opportunities, and discusses possible changes with you.
What you retain
Custody of the account, final approval of every recommendation, responsibility for trade execution, and control over the timing of transactions.
What counseling does not do
BAM does not place trades, rebalance the account automatically, or guarantee that a recommendation will be implemented at the price discussed.
If you want BAM to implement
Our full investment-management service gives BAM authority to make and execute portfolio decisions within an agreed mandate.
Explore Investment ManagementYour portfolio remains yours. So does the final decision.
BAM is a fee-only fiduciary. We do not sell financial products or receive commissions based on the securities discussed. Our compensation comes from the advisory fee disclosed before the counseling relationship begins.
You can invest independently without doing it alone.
Tell us how you manage the portfolio today and where you want additional support. We’ll explain what counseling would cover, what would remain your responsibility, and what the service would cost.