Wealth Management · Scottsdale, Arizona
Our responsibility to our clients always comes first. We take great pride in being a fiduciary, always working in our clients' best interest. No two clients are alike, and everyone's financial situation and objectives are different. Whether you are planning for retirement or already in retirement, we will work together to customize a plan that is right for you.
or call 623-398-4408
The three pillars
Pillar one
A three-tier income strategy organises what you have by when you will need it. Tier one is short term and liquid, there to cover essential living needs and emergencies. Tier two is intermediate, built to provide growth and income while resisting market fluctuation. Tier three is long-term growth, earmarked for later in retirement. We clear through LPL Financial, which holds no proprietary funds, so nothing steers what we put in any tier.
Pillar two
Tax strategy is the most sought-after part of financial planning and the part fewest advisors actually do. We build a specific plan per client across four areas: optimising the sequence of contributions and withdrawals, timing income so it lands in the lowest bracket available, using Roth conversions without tripping IRMAA, and reducing the tax you will pay over a lifetime rather than in one filing.
Pillar three
Most estate plans are written once and never revisited, and attorneys and advisors usually work separately, so beneficiaries and tax treatment drift out of alignment. We lead the planning from your full financial picture and facilitate the documents through Wealth.com with legal oversight, then keep it aligned as your life changes. Probate averages three to seven percent of an estate and is a matter of public record.
Who we are
Most people have an advisor who watches the portfolio, an accountant who files the return, and an attorney who wrote the will. Each does their part competently and none of them sees the other two. So the withdrawal that made sense for the portfolio pushes you into a higher bracket, the bracket lifts the Medicare premium two years later, and the beneficiary form nobody has opened since 2011 quietly overrides the will.
We work the other way around. Investment, tax and estate are treated as one plan with three pillars rather than three jobs with three bills, because the expensive mistakes almost always happen in the gaps between them.
Three pillars
How the work runs
Read the blog
Steve Boeckmann · Tax · August 2026
A productive tax planning meeting starts with having the right information available. The more complete your picture is, the more accurate and effective your planning strategies can be.
Steve Boeckmann · Tax · August 2026
The years leading up to retirement are some of the most important for tax planning. Decisions made during this window can have a lasting impact on how your retirement income is taxed and how long your…
Steve Boeckmann · Tax · August 2026
Charitable giving can be a meaningful way to support causes you care about while also playing a role in your overall tax planning strategy. With the right approach, donations may also help reduce your…
Steve Boeckmann · Tax · August 2026
Selling investments that have significantly increased in value can be an important part of managing a financial plan, but it also comes with important tax considerations. When you sell a highly appreciated…
The difference
A fiduciary, independent
How BW Wealth is set up
A suitability standard
Alternative
Obligation to you
The legal standard the advice is held to
Legally obligated to act solely in the client's best interest.
A recommendation must be suitable. It need not be the best one available.
Conflicts of interest
What happens when incentives disagree with you
Fully disclosed, and managed in the client's favour.
Disclosed to varying degrees.
The product shelf
What can actually be recommended
Over one thousand selling agreements. LPL holds no proprietary funds.
Depends entirely on the firm.
Who influences what you own
Whose judgement is in the portfolio
The advisor decides. LPL does not influence what you own.
The advisor decides, within whatever the firm puts on the shelf.
Tax strategy
Whether it is part of the plan or someone else's job
Built in, by a Tax Planning Certified Professional.
Usually referred out to someone who never sees the portfolio.
Estate documents
Whether they stay aligned with the money
Facilitated through Wealth.com and kept aligned as life changes.
Referred to an attorney, and rarely revisited after signing.
LPL Financial Holdings Inc. (Nasdaq: LPLA)
BW Wealth Management clears through LPL Financial. These are LPL's published figures, not the firm's. Data as of April 30, 2026.
SIPC
$500,000
Per client for cash and securities, of which cash is limited to $250,000.
Lloyd's of London
$1 billion
Additional securities protection above SIPC limits, to an aggregate firm limit.
I truly enjoy getting to know each of my clients and helping them pursue their own unique goals. It gives me a great sense of accomplishment when we can deliver a plan that will work toward something that is priceless; financial confidence.
Credentials
Steve Boeckmann is the only CERTIFIED FINANCIAL PLANNER™, CRPC®, ChFC™ , and TPCP™ at BW Wealth Management.
More about Steve →
CFP®Certified Financial Planner™Although many professionals may call themselves “financial planners”, only those who have completed the extensive training and requirements of the CFP® Board can call themselves a CERTIFIED FINANCIAL PLANNER™. CFP® certificants have met the Board’s education, examination, and experience requirements. They also agree to adhere to high standards of ethical conduct, annual continued education, and pledge to keep their clients best interests as the top priority.cfp.net (opens in a new tab)
TPCP®Tax Planning Certified ProfessionalThe TPCP® (Tax Planning Certified Professional) granted by The American College of Financial Services is a designation that recognizes advanced expertise in tax planning and strategy. Professionals with this credential have completed rigorous training to help clients minimize taxes, optimize retirement planning, and make informed financial decisions. This designation complements traditional financial planning, ensuring a tax-aware approach to building and protecting wealth.
ChFC®Chartered Financial Consultant®The Chartered Financial Consultant® (ChFC®) designation, granted by The American College of Financial Services, represents a distinguished standard of excellence in the financial services industry. It signifies a financial professional’s extensive knowledge and advanced training across a broad spectrum of financial planning disciplines, including insurance, taxation, retirement planning, estate planning, behavioral finance, planning for non-traditional family structures, small business strategies, and other critical areas.
CRPC®Chartered Retirement Planning Counselor“I specialize in guiding clients through the complexities of retirement. From Social Security and Medicare to income strategies, long-term care, and tax-efficient withdrawals, my focus is on helping retirees and pre-retirees make confident, informed decisions for life after work.”Steve BoeckmannQuestions we get asked
A fiduciary is legally obligated to act solely in the client's best interest, not the investment firm's. At BW Wealth Management, we always strive to put your best interest first. As fiduciaries, we hold ourselves to the highest standard of integrity and loyalty to our clients.
Recent federal and state tax returns, documentation for your current income sources, and information about retirement accounts such as IRAs, 401(k)s and Roth accounts along with recent contributions or distributions. If you have had recent life changes — retirement, marriage, a business sale, an inheritance, or a change in health coverage — those matter too. A list of your own questions helps more than anything else.
Tax preparation reports what has already happened. By the time a return is filed, the decisions that mattered have already been made. Tax planning is forward looking: it asks how you can pay less over the course of your lifetime rather than what you owe this April.
Probate is the legal process that happens after someone dies, where a court confirms the person's will is valid if they had one, appoints someone to handle the estate, makes sure debts and taxes are paid, and distributes the remaining money and property to heirs.
In most cases, once a will is filed with the probate court — or if there is no will — it becomes part of the public record. That can include the will itself, the estate inventory and its values, debts and creditor claims, who inherits what, and the executor's information.
As a general estimate, probate often costs about 3% to 7% of the estate's total value.
A properly funded trust can help assets pass outside of probate. In contrast, if you rely solely on a will, your estate will generally be required to go through the probate process.
For BW Wealth Management, LPL Financial acts as a back-office support team. They help us ensure our technology runs smoothly, client transactions are processed efficiently, and everything we do is fully compliant. LPL holds client assets and offers the same securities and safeguards as other broker/dealers to protect these assets. Unlike other broker/dealers, LPL does not influence our decision-making process on the securities you own or any financial products that need to be utilized.
LPL is a member of SIPC, which provides our clients insurance of up to $500,000 for cash and securities in investment accounts in the event of fraudulent crimes or bankruptcy by a firm, with coverage of cash limited to $250,000. Through Lloyd's of London, LPL Financial accounts have additional securities protection covering client accounts' net equity up to an aggregate firm limit of $1 billion.
Yes. Account View from LPL Financial gives you secure, anytime access to your accounts, balances and performance in one place, and you can choose e-delivery for documents. If you have not set it up or cannot get in, the office can help with the login, linking accounts and turning on e-delivery.
Next step
An initial conversation, at no cost and no obligation. We look at what you have and how it is currently taxed before anyone recommends moving anything.
Scottsdale and the greater Phoenix valley · Monday to Friday, 9am to 5pm
