Frequently Asked Questions

As financial planners, we are fee-based and hold the highest fiduciary standard. As our client’s most trusted agents in the industry, we earn the same compensation irrespective of how you invest. Our deliverables are entirely centered around you and the fiduciary we hold means we have to put our clients’ standards and care above all else.

A financial advisor, on the other hand, is almost always commission based. They tend to make more or less, based on what you invest in. Financial advisors do not have as strict of a fiduciary standard, as a result of their contractual status. Financial advisors often advise from an executive team at the company who is forbidding them from many great types of public holdings or excellent deferred compensation strategies, to name a couple problems with the financial advisor approach.

A commission based broker is typically also a financial advisor. This is also not a good fit for being our client’s advisors because our clients need more. They’re hungry for tax advice, real estate decision consulting, and our strategies are unbiased. We are paid for consulting regardless of how our clients plan and mitigate the impact of taxes or anything else.

A financial planner is a financial advisor who is licensed to do everything a financial advisor does. We are also wealth managers and investment advisors, meaning we specialize on the investing side and we have a team that can help the higher net worth client.

The financial planner, as your fee-based consultant, has a higher standard of care, that’s the fiduciary and really this is most important. The fiduciary standard guides the decisions at the highest level for clients when working with a financial planner.

The financial advisor standards are much lower. Each fee-based advisor does have what’s called an ADV to disclose any conflicts of interest. The Boracchia Wiviott Wealth Partners and its independent investment advisor representatives each have this too and it’s posted on the SEC registrar as well as our website.

Ultimatey, we have walked away from anything that is not suitable for clients and we have a very long career - over 10 years as licensed partners with no disciplinary or client complaints.

People often already can tell but just in case you are meeting us online, and without a referral, here’s a few ways we are special to the industry.

The team at Boracchia Wiviott Wealth Partners brings with it centuries of financial achievement to our client’s lives from independent financial planning and investment advisory services. We are part of a network of some of the most powerful wealth managers and asset advisors who are not affiliated with any broker dealer.

Nobody tells us how to invest for clients. We hired our analysts privately and they oversee six trillion of assets. We spent years researching our team before taking on new clients.

How did our analysts get so big? In most brokerages which we are not we’re a registered investment advisory but in most brokerages advice comes with soft dollars like office space and bonuses. Our team doesn’t get paid for steering. Steering to companies or investments that pay more is the counter opposite of how we operate.

To put this in perspective, most investment advisors or wealth managers, as well as financial planners and almost always financial advisors - they are all with big name firms that have conflicts that are as high as 5.75% for loads meaning commissions and higher, per fund. We have a flat fee model and it is much more advantageous for clients.

Because of our partners’ background we saw Wallstreet treat our well to do families terribly due to these big business conflicts. Former advisors would make recommendations based on what the top dogs wanted the clients to be in for their own selfish reasons.

For example, as a dealer and a broker, which brokerages are, advisories offload securities they no longer want onto clients. This is what a dealer does. This is the definition of dealer in the broker dealer model.

The problem lies therein when clients are offloaded funds and then those funds are failing. The fact that the securities are going down in value is why brokerages offload them to their clients.

As publicly traded entities, the stockholders interest comes above the client interest. Thus, they keep getting away with it.

We could register as a brokerage but our firm chooses to be one of the rare ones that is a registered investment advisory and not both a registered investment advisory and a brokerage because we don’t wait to take money that is more or less based on our recommendations.

Also, as a registered investment advisory that we started, and not that we just plug and play into like literally all the other companies are Boracchia Wiviott Wealth Partners utilizes tried and true methods from centuries and innovative approaches that are truly independent from biasness. We are small - and therefore you know our team not just the puppet so to speak who is advising based off someone’s recommendations who doesn’t actually care about you.

At Boracchia Wiviott Wealth Partners, as a closely held registered investment advisory based on values of accountability, transparency, details, and frankly being the best, our team is stable. We don’t have the high turn over of our competitors.

Our firm is not publicly traded, it is only owned by Marc and Lea Boracchia, after starting multiple very successful companies.

The fact we are not a broker dealer means we don’t sell from our own account. When you click below you are starting your financial plan and wealth management relationship with us to help you invest, and we will contact you to finalize it all together.

Your financial assessment lacks this step but you do have open communication channels to us and we post everything in the VIP portal for assessment clients.

I don’t know any other firm who cares to curate experiences tailored to so many clients - those with families socking away for retirement; those nearing retirement and finding themselves as empty nesters; and those living everyday like it’s Saturday, the family office client or wondering if their future kin can, in retirement.

Our focus and expertise is on you, as our client, in these three life stages or curated ultra high net worth lifestyle. You can take your financial plan or assessment, or utilize our consulting services only; and implement recommendations with us or not.

You can even just invest with us.

We are transparent and ultimately we care about you as a whole person; and are really grateful for you as a client no matter how big or small. This is what is so unique about being a Borachia Wiviott Wealth Partners client. We care, and always have about foremost and only our clients throughout our entire lengthy career, and will contine to be around with our legacy planning for the firm and our client who we care deeply about the futures of.

A family office helps clients with more than your typical wealth management firm. We are wizards at tax minimization, estate strategies, business formation, exits, management of the family foundation, the unique needs of ultra high net worth entertainers and sports stars, as well as leaders; and all our planning in our family office services are custom.

Family office clients have a wealth surplus that allows us to concentrate on lifestyle enhancement, extraordinary investment opportunities, lifetime capital needs, wealth transfer and more.

If you think you may qualify for our family office services, please give us a call sooner rather than later. Everything we do is custom and more so for family office clients who we - through your large financial achievements, can make a big impact with together.

The consultation is complimentary. Call or text (424) 625 - 8943. Thank you

It depends. If we’re talking about good assets or the liability rich ones.

We also need to know more about your plan – is it to have everything you or your heirs are used to; for most, about 8 out of every 10 clients it is plan b. This is providing something for example an additional level of economic security but requiring families have vehicles for which to still contribute to something bigger.

Whatever your goals are, our team of highly trained wealth managers and estate planners can help you brainstorm and finalize the right type of trust and retirement planning.

We are the advisor on records for clients. We do not hold custody. This means that client assets which we oversee are always held in an account or multiple accounts with a legal third party custodian.

Boracchia Wiviott Wealth Partners has a business relationship with custodians including but not limited to IBKR that when clients have accounts at these locations, we can be what’s called “advisor on record.”

The main place online that our clients can see their money, performance, and request deposits, withdrawals, or anything within realm is at Interactive Brokers. Their website is ibkr.com

We also have a new portal for all clients to easily access their services at Boracchia Wiviott Wealth Partners. If you don’t have your personal client login please let us know. Potential clients can also begin by creating their own portal with our firm. Call us to learn more today. We’re happy to help guide you through our cutting edge client experience.

Business owners, like our individual clients, have many needs. Entrepreneurs have the personal planning needs in addition to the important value of minimizing risk and mitigating the impact of taxes.

Business owners can have personal corporations, be professional athletes or entertainers, politicians, have pre liquidity needs as well as restricted and long range IPO planning, tax needs, estate strategies, and much more unique challenges we solve as part of a sophisticated money management team. We can utilize a range of options to help the proper entities to start or manage their specific time horizons and multi-faceted objectives.

Homeowner Associations as well as other businesses with treasury also benefit from our firm investment philosophy when it comes to our savings and investment strategies in how we safeguard the assets.

We can utilize highly liquid treasury inflated protected securities and discounted short term bonds to increase the returns on working capital accounts.

These are similar strategies to the portion of money that retirees who we also work with need when living off their investment income as well.

We also help other high net worth business owners, foundations, families, and beyond. Keep reading or contact us to learn more. We’re here to help hold your hand as a Boracchia Wiviott Wealth Partner and client.

Cybersecurity is a huge issue. We are proud to be long-time leaders on the cutting edge of internet technology and cybersecurity. We are more secure than most firms and have hired multiple private consultants in various area to assess our technology procedures.

This of course is an ongoing process with team audits every few months. We both follow the requirements for handling each type of data that we possess as per the Securities and Exchange Guidelines as well as Gramm-Leach-Bliley Act, but we also have many of our own best practices which take our security practices a step further than most firms.

For more information please contact us and to keep yourself safe we recommend you visit the SEC website on cyber security here: https://www.sec.gov/securities-topics/cybersecurity

It’s also advisable to stay current on local scams in your area. Here’s two places we follow:

https://www.irs.gov/newsroom/tax-scamsconsumer-alerts


https://www.aarp.org/money/scams-fraud/tracking-map/

You should also take the time to educate your family and anyone in your household about best cybersecurity practices.

Boracchia Wiviott Wealth Partners goes the extra mile in all we do to protect our clients security, and our understanding in how to do this is more advanced than even some of the biggest firms with high turnaround.

We do not grant access to client information, it’s only on a team member’s individual need to know basis, and we are proud of our cyber security continual enhancements.

With over two decades of expertise, Lea, Marc and their team has been a guiding force, offering invaluable advice to both individuals and companies alike. Their extensive journey includes consulting on small to medium sized business benefit plans, as well as steering qualified and non-qualified plans for large publicly-traded companies with a footprint nationwide.

Lea and Marc, the closely held company founders and our entire team of highly trained managers help business owners through a wealth of experience that truly shines. When it comes to assisting retirement plan sponsors in navigating the intricate landscape of IRS discrimination testing challenges, or helping retain employees with golden handcuffs.

Their commitment to excellence and a keen understanding of the complexities involved in retirement planning led the team to establish the business planning department at Boracchia Wiviott Wealth Partners in 2013.

🌐 The driving force behind Marc and Lea, the founder’s, vision was to extend the same level of experience and resources enjoyed by large retirement plan sponsors to those with plans holding less than $50 million in assets. At Boracchia Wiviott Wealth Partners, we continue to be a pillar of knowledge and support, ensuring that your financial journey is not just secure but thriving.

🔍 Discover the personalized touch and expert insights that our whole team brings to the table. Let's embark on your financial success journey together!

Thanks for taking the time to get to know us. Learn more or give us a call today! We’re here to help you and hold your hand.

Kind Regards,

📈 Boracchia Wiviott Wealth Partners - Where Your Financial Goals Take Center Stage! 🌟

Phone # (424) 625 - 8943

Here are some ideas to consider: I am living my best life. My lifestyle is so wonderful and it’s going to get even better. I’m excited about it! My vision for the future is I’m a philanthropist mentoring at – risk youth (that’s us lol), rescuing puppies, traveling the world, raising my family in my dream house, or maybe it’s the private jet, many houses vision, and tons of house help.

Whatever lifestyle you have, that’s the lifestyle we can help YOU get to permanently! We can help you brainstorm many more of your options. Envision.

By identifying your goals, you’re beginning your financial plan.

The process of financial security – the confidence that comes from taking action today to provide for tomorrow – is different for each of us.

Often, the first step is to establish a relationship with someone who takes the time to learn about your values, understand your dreams and help you create a personal financial plan that will evolve with what matters most to you. Contact us however you prefer.

Our contact information is below.

Our team will be glad to help you with the next steps and we look forward to this! Call us today or Take the Assessment here to learn more. Contacting us is most exciting step you are taking for your best life yet!

Private wealth management consultation to gather your goals, long and short-term priorities, history of investing, way you run your wealth planning; areas you want to grow.

Then we put together a plan that is your personal financial plan complete with how you are tracking for your top goals. It is a report of precisely how much money you need to retire the way you want, and how much it takes to cover the unexpected in the most wise methods.

You will have access to our specific investment recommendations for your entire portfolio and the ways in which you can best minimize taxes. What clients tells us they appreciate most is the confidence that comes with knowing we keep you abreast of what pitfalls to avoid, prior to making costly mistakes; and if we save you even a few percent in tax and risks, you can have even more money at the end of the day.

Your extensive consultation continues. It’s the gift that keeps on giving. Our clients have built-in retainer hours that are replenished annually providing you access to us for your real-time stock market and additional financial requests. We are relationship driven meaning you need to feel comfortable enough with us to ask us questions when you have them so we can help you.

You’ll gain alot in the personal Risk Assessment integrated with the asset allocation that is suited for you, but you need us at the helm guiding you on the days thereafter we meet, so you can and will be enjoying having us as your financial coaches continually.

You will also get everything the assessment gets such as:

Admittance to VIP Members Space which includes but is not limited to:

pertinent tax,

allocation ideas

risk to consider

visually stunning courses

common mistakes to avoid that can cost you (this alone warrants this price and more it is extremely valuable),

innovative cash flow

information

continuing education

insurance ideas,

investment updates

LOADS of proprietary and renowned ideas, but your personal planning analysis will also include this; (It’s more comprehensive and personal than an assessment). Your personal financial plan is custom to you and only your goals.

Extensive Personal Risk Assessment integrated with the asset allocation that is suited for you.

Admittance to VIP Members Space which includes but is not limited to:

pertinent tax, allocation ideas. risks to consider, common mistakes to avoid that can cost you (this alone warrants this price and more it is extremely valuable), innovative cash flow information, continuing education, insurance ideas, investment updates, LOADS of proprietary and renowned ideas.

Those who work with us on the financial planning side do not have to work with us on the investment management. We manage our portfolios nearly daily and custom build each portfolio for our clients.

You can engage a la carte as well and have us only train you to manage your investments on your own; but with our guidance over a six month or one year period.

Everyone. We have carefully formulated a way to service every client. We offer a multitude of services as your family office, all of you. We have something for everyone whether you are ultra high net worth, affluent, or just starting out. Accessibility these days in particular is paramount and we are consistently rolling out new features to continue to wow our clients! Your best life is at the top of mind for us, always. Live your best life with us as your wealth management team. If you are saving over $20,000 a year or making over $150,000 it is advisable you invest in your custom financial plan through the assessment for you! Our renowned planning will revolutionize your life. Our services are crafted to be awe-inspiring for clients! Start now!

Contact us today for a no obligation 15 minute consultation. Together, we’ll create a vision for protecting you and your family, growing your business, and we’ll help you establish the right steps for continued success in the future. Our clients tell us our custom proprietary process is refreshing and they love their portfolios. Our mission is to help our clients and theirs be successful in their endeavors. We welcome you to experience your custom expertise, planning and portfolio consultation. We hope to inspire you to reach your goals no matter how big they are and help you to focus on what you want to be doing best. We take your goals to heart and look forward to helping you succeed as our client.

Welcome to Boracchia Wiviott Wealth Partners, where we prioritize safeguarding wealth and only taking on the necessary amount of risk. The intricacies and essential components of our investment philosophy are exclusive trade secrets reserved for our valued clients. At the heart of our approach is the utmost care for our clients – we not only value your financial well-being but also go the extra mile to protect it.

Embark on the journey to financial well-being by contacting us today and becoming a part of our client family. Take that crucial first step towards maximizing your investment returns while minimizing risk. Experience the freedom of financial living by initiating your personalized plan.

If you prefer to connect over the phone, feel free to call us at (424) 625 – 8943 or send us a text. Even if we miss your call, rest assured that we'll diligently listen to your voicemail. Your future begins now, and you can efficiently kickstart the process online. Simply click below, and we'll coordinate an appointment at your convenience.

We eagerly anticipate witnessing the reflection of your aspirations in your financial profile, spanning what could be a long and prosperous life, ensuring a secure future, especially if legacy is of paramount importance to you.

At Boracchia Wiviott Wealth Partners, our roots are grounded in families of doctors and philanthropists, like our founders come from, not the tumultuous finance world of the 1980s and beyond. Our clients consistently express their gratitude for the clarity we bring to their intentions and the enduring peace of mind that blossoms from our partnership into the future.

As a registered investment advisory with no broker dealer affiliations, we provide family office expertise to our esteemed clients who are, without exception, our VIPs. We don't engage in self-serving transactions from our own accounts, a deliberate choice that underscores our commitment to prioritizing our clients' needs time and time again. Choose Boracchia Wiviott Wealth Partners for a wealth management experience where your financial well-being takes center stage.

Yes, every client of Boracchia Wiviott Wealth Partners has their own fund. This is very unique because we custom construct each portfolio to you, as our client. We do offer many do it yourself options for those who want to invest through other means but we must be honest, the best returns will always be from a team because we are on this every single business day and have 60 analysts. It’s worthwhile to have your team but it is a career and you can by all means do well investing on your own. The advice we provide is also not limited to investments we provide ancillary tax and legal advice. Everything we do is in the content of your very own personal planning analysis designed with you and only your goals in mind.

Marc and Lea are in the industry because they care. Finally they have started a 501c3 which is the legal entity for a non-profit that receives favorable tax treatment for donors and its founder(s).

Imagine Equality, Inc. is open to help other educators train on financial literacy. The mission of Imagine Equality is that the gaps in wealth planning can be strengthened with equally accessible and non biased wealth management courses.

Please contact our team today for more information or to make any specific requests. The privilege to be philanthropic in these ways is a big motivator for every team member in our firm.