PNW Asset Management

PNW Asset Management serves individuals (including high‑net‑worth clients), trusts, estates and charitable organizations, providing discretionary portfolio management and both comprehensive and hourly financial planning. The firm operates as a fee‑only adviser and implements client portfolios through third‑party custodians.

The firm follows a strategic asset allocation, asset‑class investing approach implemented mainly with mutual funds and ETFs, emphasizing tax efficiency through low‑turnover funds and opportunistic tax‑loss harvesting rather than market timing. Portfolios span cash, fixed income, domestic and international equities and REITs, and the firm may maintain linked but unmanaged accounts for client‑held positions that are not under its discretion.

Compared with many peers, PNW Asset Management uses a proprietary Cashflow Fingerprint model (licensed through an affiliated company) to model historical outcomes and help set appropriate portfolio risk exposures, a practice the firm discloses as part of its planning process. The brochure also notes several operational distinctions: the firm leaves proxy voting to clients, does not participate in wrap‑fee programs, and relies on institutional custodian relationships that provide technology and support services — arrangements it monitors and discloses as potential conflicts.