Philosophy

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At Bonnema Wealth Management (BWM), we use a highly diversified investment strategy derived from decades of academic research in financial and market theory. This approach has seven key components:

• At BWM, we believe that markets work.  The capital markets do a good job of fairly pricing all available information as well as incorporating investor expectations about publicly traded securities.  This approach rewards investors with market returns while keeping costs low.
• BWM believes that only long – term investing in the equity markets offers you a return that outpaces the effects of inflation and taxes.
• Risk and return are related.  All portfolios are invested to take advantage of the dimensions of risk offered by investing a measured portion in all asset classes.
• Two important methods for managing risk and moderating volatility:
  • Adding Fixed Income
  • Diversifying globally across more than 12,500 securities across 47 countries
• Structured investing along with disciplined portfolio rebalancing helps individuals achieve their long-term financial goals and lessens the damage that might be caused by investing emotionally.
• At BWM, we use low-cost, institutional, asset-class mutual funds.
• BWM uses a third-party custodian, Charles Schwab, to hold your investments.  As a Registered Investment Advisor, we have a fiduciary relationship with all of our clients.  This means that we ALWAYS put your needs and interests first.