Everyone should have a fiduciary if they want a custom plan and their money working for them at the highest level. You should have a fiduciary handling your finances & a signed financial planning agreement by both parties to ensure no misunderstandings and that your advisor is contractually obligated to act above all else for you. (Publication: EDU)

Also, it’s important to understand What are the differences between a broker/dealer and a registered investment advisor? Broker dealers are paid on commission. The other registered advisories like us, are more ethical because per their contact we have to act in your best interest above all else and we cannot get paid by commission. This way no outside sources can get in our head trying to influence us to influence you. Author: Christine Benz, Publication: Investopedia used to be the resource we link here, but now that site says B/Ds can offer more options and that RIAs may seem better but the former makes it so you should choose who is best. We don’t take money for advertisements, we became a RIA not a brokerage because this is frankly untrue. RIAs can offer more than brokers because we have nobody telling us what we can and cannot offer. RIAs can work with custodians to get access to anything with a ticker symbol, broker dealers don’t have access to anything with a ticker symbol – they get paid on commission not by fee and often have their own products, while RIAs are more likely to pick individual stocks and bonds. It’s better to not get a commission based on what we sell and it’s also better to pick holdings over any funds because BWWP LLC picks holdings for each of our portfolios and only customizes portfolios; we don’t work with mutual funds or ETFs, clients don’t typically need management for that. They can get their own portfolio constructed from the fees they pay Boracchia Wiviott Wealth Partners, LLC Benefits of working with a registered investment advisor over a broker/dealer: Aside from having a female investor and Hispanic as our two co-founding partners, you should work with us because a RIA, which we are, is the same as a B/D but unlike B/Ds, RIA fiduciary rule requires that we put client interests first! Here’s more of why RIAs are better than B/Ds: *B/Ds is the shortened term for broker/dealers. RIAs is the shortened term for registered investment advisors. -Regulators don’t bound B/Ds to the same fiduciary standard as RIAs – B/Ds sell from their own account. *Morgan Stanley offloading their own Puerto Rico debt before its market crashed is 1 of MANY B/Ds fined for violations & B/Ds keep doing it, they don’t mind -B/Ds are focused on product(s) / are commission based. RIAs focus on investing money & managing it at the highest level. RIAs like us do not charge commissions or take financial incentives -B/Ds operate through outside sources influencing their brokers to influence their clients. RIAs have strict disclosure rules -RIA returns are less volatile & higher because we provide bar none the most objective independent advice -RIA cost structures pay much more for itself with risk/reward B/D’s outside influence & corruption is why you need a RIA of the highest integrity; & who won’t just throw your money into index funds. Work with us, we are inclusive, we service to higher standards; & someone else says it, a NYT op ed writer, women investors outperform men! ;)https://nyti.ms/2VUfHuG bwwpllc.com/contact bwwpllc.com/tos Sometimes clients ask us about a FINRA disclosure. We are not under FINRA anymore as we are not a broker. FINRA only oversees brokers. Registered investment advisors like us are overseen by the California Department of Business Oversight and/or the SEC. There is an additional license we have to have to be a registered investment advisor, in addition to the broker’s license.

Some more fun general points that may or may not apply to you are: Trump’s Tax Overhaul Law(Publication: Journal of Accountancy) What is a 529 plan? (Publication: SEC) How to save for your child’s future(Publication: BankRate) What is a Roth IRA and could a back door Roth IRA be helpful? (Publication: Morningstar) What is a robo advisor? (Publication: Investopedia) Social Security Retirement & Survivors Benefits: Life Expectancy Calculator (Publication: Social Security Administration) Risk management, which is different than what wealth management, is not typically covered by wealth planners. We, however, do cover it and have merged our registered insurance brokerage with Boracchia Wiviott Wealth Partners, LLC, the registered investment advisory. Some pointers on your journey to financial security are: Does your risk management meet your needs? What are the differences between group disability income policies and individual income insurance? (Publication: Mass Mutual Insurance Company) Is my business protected in case of a lawsuit even if I’m innocent? (Publication: Wallstreet Journal) When I consider my injury and illness protection strategy, why do I need to consider the company I choose to insure me? (Publication: Mass Mutual Insurance) Renters Insurance – Why It Matters(Publication: Foremost Insurance) Keeping Your Home Safe from Break-Ins (Publication: Foremost Insurance) What is Umbrella Insurance? (Publication: Liberty Mutual) Healthcare Expenses (the #1 cause of bankruptcy) (Publication: EDU) Elder Care Checklist (please see this video which is playing below) (Publication: EDU) Life Insurance Needs Calculator (Publication: LifeHappens) The Power of the Trust (Publication: EDU) War for Your Wallet (Publication: EDU) Irrevocable Life Insurance Trusts(Publication: EDU) Some more general points that may or may not apply to you are: Social Security Retirement & Survivors Benefits: Life Expectancy Calculator (Publication: Social Security Administration) Student Loan Payment Consolidation Resource Guide (Publication: Comet and referred in thanks to Digital Advocates) Learn More → about risk management, wealth management and financial planning at bwwpllc.com *the site you are currently on. Boracchia Wiviott Wealth Partners, LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Boracchia Wiviott Wealth Partners, LLC’s web site or incorporated herein, and takes no responsibility therefor. We provide information for the purpose of your convenience. Please click here for ourTerms of Use. To contact us about becoming a client, please drop us a line here. If you’re looking for our list of services you can click the link above or I’ve enclosed it again for you here. This information is to show you we probably do what you need but at an extremely high level so schedule your appointment. You’ll be refreshed once we speak and you’ll feel much more at ease than you would reading our general information online but we’ll help you enjoy your journey of financial success and security.

Great! We love helping clients! If you prefer to speak to us live please text or call us right now at (424) 625 – 8943! Someone from our team will help you! We understand what it’s like being involved in the biggest decision of your life! Call or text us anytime! We’re hear to help you with our thought leadership as your real estate representative!

Great! We love helping clients! If you prefer to speak to us live please text or call us right now at (424) 625 – 8943! Someone from our team will help you! We understand what it’s like being involved in the biggest decision of your life! Call or text us anytime! We’re hear to help you with our thought leadership as your private best lifestyle and do it yourself investor profits wealth partners!

Absolutely! Buying a home is among the biggest purchases of your life! Boracchia Wiviott Wealth Partners has many more expertise to share for you. Contact Lea directly for assistance with transactional representation or to help you with realtors in other areas. Email Lea at RE@MyBestLifestyle.Pro or call (323) 435 – 3398 she can also help you with any other wealth management or online services we have or that are coming out soon!