ABW, LLC

ABW, LLC provides discretionary asset management, financial planning and ongoing consulting to individual and high‑net‑worth clients and also advises qualified retirement plans under ERISA arrangements (including limited scope 3(21) services). The firm documents client goals, time horizons, objectives and risk tolerance to tailor investment programs and implements those programs on a discretionary basis.

Investment decisions are made using a mix of fundamental, technical, charting and cyclical analysis, with strategies that can include long‑term purchases and trading, regular rebalancing and tax‑aware reviews; account reviews and written performance reports are delivered at least quarterly. For custody and execution the firm recommends Charles Schwab’s institutional services, aggregates trades across client accounts when appropriate, and permits clients to impose written investment restrictions; the firm does not routinely vote client proxies.

Distinctive features include a small advisory team (two advisors) serving about 35 clients with discretionary assets under management of $13,184,971 as of December 31, 2025, and a service mix that combines percentage‑of‑AUM management with fixed‑fee financial plans and quarterly/semiannual consulting. The firm’s principal also operates an independent insurance business and routinely offers insurance products for separate commission compensation—a material conflict of interest disclosed in the brochure and addressed through disclosures and fiduciary policies.