ABOUT BRYAN WERLEMANN
A graduate of the University of California at Irvine, Bryan received his Bachelors of Arts in Economics and Psychology. He began his career specializing in tax-free municipal bonds at Municicorp. In 1990, he moved to Prudential Securities and in 1994, Bryan then became the Senior Vice President of Smith Barney. Bryan’s passion for his work and his nonconventional thinking made him a successful Independent Advisor with Wells Fargo for 17 years. He now has decided to open his own firm in conjunction with Charles Schwab where he can use his past experience and wisdom to direct his clients and help them understand where he believes the industry is headed.
In his 35 years of managing the wealth of his clients, Bryan has always had a keen eye for industry disruptors and an uncanny ability to envision where these industries are headed. With the firm restrictions on non-conventional investments including Crypto and other technology trading platforms, Bryan does not want to be inhibited by larger firms who make their brand and company the priority; rather, Bryan wants his clients to reap the benefit of what is to come in this new disruptive world of financial investments. The personal success Bryan has experienced drives his motivation to achieve the same success for his clients. Bryan’s inherent knowledge and tangible success allows him to manage the interests of his clients while growing their portfolios to the greatest potential.
Environmental, Social and Governance
Environmental, Social and Governance Criteria is allowing you as an investor to use your capital in ways that will help shape our future for the better. Taking into consideration environmental issues such as greenhouse gas emissions, recycling practices, carbon footprint, relationships with environmental agencies such as the EPA, and climate change policies allows you to make an educated decision on where you invest your money. From a social perspective, employee diversity, ethical supply chain sourcing, employee treatment, compensation, and safety policies are included in the criteria. Governance is the third prong of this investment criteria and areas such as executive compensation, corporate relations with the SEC, diversity of the board management team, board member conflicts of interest and shareholder transparency are considered.
We believe a corporate culture that encourages positive behavior as exemplified by the ESG criteria equates to better business, reduced portfolio risk, and often, high returns on your investment.
Tax FREE FIXED Income
Tax free fixed income can be achieved through tax-free municipal bonds. These bonds are debt obligations issued by municipal entities. Often, the interest income for tax-free municipal bonds is exempt from federal income tax.
Additionally, owning municipal bonds within the state of one’s residence may also preclude interest income from state and local taxes. Of course, these tax-free municipal bonds may be subject to capital gains taxes if sold or redeemed for a greater cost.
Investors in higher tax brackets often choose municipal bonds to add an effective fixed-income element to their portfolios.