SCW Wealth Management, LLC

SCW Wealth Management provides discretionary and non-discretionary investment management and integrated financial planning for individuals, high‑net‑worth clients, trusts, estates, charitable organizations, retirement plans, and business entities. The firm documents client goals and constraints through an Investment Policy Statement and risk assessment to guide portfolio construction and ongoing monitoring.

Its investment approach blends modern portfolio theory and a primary focus on long‑term purchases with selective use of fundamental, charting, and technical analysis, deploying mutual funds, ETFs, individual securities, and fixed income as appropriate. SCW tailors asset allocation and rebalancing to each client’s objectives and risk tolerance and implements strategies under written agreements that may permit discretionary trading.

Distinctive operational details include a requirement that client accounts be maintained at Charles Schwab and participation in Schwab’s Advisor Services program (a relationship the firm discloses creates potential conflicts of interest), along with assistance for first‑party standing letters of authorization to move funds between a client’s accounts. The brochure also discloses recent updates that are less common among peers: pending multi‑state registration, explicit disclosure of cryptocurrency‑related exposure through ETFs, and maintenance of a surety bond to satisfy its state financial requirement.