BHC Wealth Management provides financial planning and portfolio management for individuals and small businesses.
BHC Wealth Management reports 205 clients. They include 125 individual clients and 80 high-net-worth individuals. Of its assets, 100.0% ($102M across 542 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 61% | 27% |
| High-net-worth individuals | 39% | 73% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 125 | $27.9M | 27.3% | $224K |
| High-net-worth individuals | 80 | $74.3M | 72.7% | $928K |
| Total | 205 | $102M | 100% | $499K |
- Clients
- 125
- Regulatory AUM
- $27.9M
- AUM share
- 27.3%
- Avg. per client
- $224K
- Clients
- 80
- Regulatory AUM
- $74.3M
- AUM share
- 72.7%
- Avg. per client
- $928K
Total
- Clients
- 205
- Regulatory AUM
- $102M
- AUM share
- 100%
- Avg. per client
- $499K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
BHC Wealth Management charges up to 1.75% a year for its Investment Management Fees and Compensation. The fee is billed in arrears, is negotiable and requires an account of at least $250,000. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Consulting
- Limited-scope consulting is billed hourly at $350-$500 an hour, negotiated with the client.
- Stand-Alone Financial Planning
- Fixed fees start at $2,500 and may be more depending on complexity; hourly planning is $350-$500 an hour, due at engagement for stand-alone plans.
Blue Heron Capital, LLC owns 75% or more of BHC Wealth Management and is in turn owned by Linda Gardner (25–50%). It has 8 employees, 3 of them in advisory roles.
Staff
- 8 employees
- 3 in advisory functions
- 3 state-registered reps
- 3 insurance agents
- Owns 75% or more of BHC Wealth Management, LLC
Blue Heron Capital, LLC
Control person · since December 2025
- Owns 25% to 50% of Blue Heron Capital, LLC
Linda Gardner
Control person · since December 2003
Besides its headquarters, BHC Wealth Management has 0 offices, with 1 listed address in 1 state.
Colorado · 1 listed address
- 2 Inverness Drive E., Suite 106, EnglewoodHQ
Other business names
BHC Wealth Management has reported 2 other business names to the SEC.
- Blue Heron Capital
- Yourmoneyyourretirement
Contact and registration details
- Legal name
- BHC Wealth Management, LLC
- Headquarters
- 2 Inverness Drive E., Suite 106, Englewood, CO 80112
- Website
- yourmoneyyourretirement.com
- Phone
- 720-488-8604
- @blue-heron
- SEC file
- 801-135158
- Structure
- Colorado LLC
- Fiscal year end
- December
BHC Wealth Management’s named custodian for separately managed accounts is Charles Schwab ($102M). BHC Wealth Management does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $102M100%
At year end, BHC Wealth Management’s separately managed accounts were mostly in funds (57%) and stocks (26%).
What the accounts hold
- Stocks26%
- Funds57%
- Registered funds56%
- Pooled vehicles1%
- Bonds11%
- Investment grade corporate bonds9%
- State and local bonds2%
- Cash5%
- Other1%
- Cd, alts1%
How many clients does BHC Wealth Management have?
BHC Wealth Management has 205 clients and manages $102 million for them, as of March 2026. They include 125 individual clients and 80 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026
What services does BHC Wealth Management offer?
BHC Wealth Management provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does BHC Wealth Management charge?
BHC Wealth Management charges up to 1.75% a year for its Investment Management Fees and Compensation. The fee is billed in arrears, is negotiable and requires an account of at least $250,000.
Source: 2A BROCHURE, filed 20 March 2026
Which custodians does BHC Wealth Management use?
BHC Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $102M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026
How many financial advisors does BHC Wealth Management have?
BHC Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 8 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does BHC Wealth Management invest in?
At the end of its last fiscal year, BHC Wealth Management’s separately managed accounts held 56% registered funds (mutual funds, ETFs, BDCs), 26% exchange-traded equities, 9% investment grade corporate bonds, 5% cash and equivalents, 2% state and local bonds, 1% pooled vehicles (private funds and similar) and 1% other. The 1% other category is described as: CD, Alts.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does BHC Wealth Management have a minimum investment?
Yes, BHC Wealth Management’s minimum account size for its Investment Management Fees and Compensation is $250K.
Source: 2A BROCHURE, filed 20 March 2026
Who owns BHC Wealth Management?
BHC Wealth Management is owned through a holding company by Linda Gardner. Its direct owner is Blue Heron Capital, LLC (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 20 March 2026
How does BHC Wealth Management get paid?
BHC Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact BHC Wealth Management?
BHC Wealth Management’s main office is at 2 Inverness Drive E., Suite 106, Englewood, CO 80112. Its phone number is 720-488-8604. Its website is yourmoneyyourretirement.com.
