Bonsai Advisors LLC

Bonsai Advisors LLC provides discretionary investment management, comprehensive financial planning (included as part of advisory services), and model portfolio services to individuals (including high-net-worth individuals), trusts, estates, charitable organizations, and business entities. The firm reports managing approximately $21.1 million and offers both direct portfolio management and co‑advisory relationships with third‑party money managers and turnkey asset management programs.

Bonsai typically operates under discretionary authority and documents client objectives and constraints in an Investment Policy Statement generated with the firm’s proprietary software. Its investment approach combines systematic analysis across stocks, bonds, mutual funds, ETFs, REITs, and insurance products (including registered index‑linked annuities), and it uses platforms such as GeoWealth for TAMP services and sub‑advisory support while conducting at least quarterly account reviews.

What is distinctive in the brochure is the firm’s affiliation with Bonsai LLC, a Colorado insurance agency with shared employees and facilities; the disclosure notes this relationship can create conflicts of interest when insurance products are recommended and that some representatives receive compensation from the affiliate. For a firm of its size, Bonsai’s combination of proprietary IPS generation, inclusion of insurance products in managed portfolios, provision of model portfolios to other professionals, and reliance on TAMP/TPMM arrangements are operational features highlighted in the firm’s disclosures.