{"url":"https://nivawealth.com/firms/bhc-wealth-management-339475","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/339475","regulatoryAum":102210253,"crd":"339475","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8353753","suffix":null,"lastName":"Campaigne","firstName":"Caspian","middleName":"Lucas"},{"crd":"7097718","suffix":null,"lastName":"Cavaliere","firstName":"Joel","middleName":"Anthony"},{"crd":"8062309","suffix":null,"lastName":"FITZGERALD","firstName":"JOHN","middleName":"JOSEPH"},{"crd":"5116107","suffix":null,"lastName":"GARDNER","firstName":"LINDA","middleName":"LOU"},{"crd":"7515420","suffix":null,"lastName":"Roberts","firstName":"Zachary","middleName":null}],"total":5,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-135158","legalName":"BHC Wealth Management, LLC","displayName":"BHC Wealth Management","slug":"bhc-wealth-management-339475","website":"https://yourmoneyyourretirement.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/blue-heron","founded":null,"organization":"Colorado limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2 Inverness Drive E., Suite 106","city":"Englewood","state":"CO","stateName":"Colorado","country":"United States","postalCode":"80112"},"tradeNames":["Blue Heron Capital","Yourmoneyyourretirement"],"registration":{"secApproved":"22 January 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":498586.6,"staff":{"employees":8,"advisory":3,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":102210253,"discretionary":102210253,"discretionaryAccounts":542,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":0,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":125,"regulatoryAum":27948885},{"label":"High-net-worth individuals","clients":80,"regulatoryAum":74261368}],"feePrograms":[{"role":"main","program":"Investment Management Fees and Compensation","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022761","versionId":1022761,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-20","documentName":"2A BROCHURE","fee_rate_low":null,"fee_rate_high":1.75,"fee_negotiable":true,"minimum_account":250000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Consulting","summary":"Limited-scope consulting is billed hourly at $350-$500 an hour, negotiated with the client.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022761","versionId":1022761,"submittedOn":"2026-03-20","documentName":"2A BROCHURE"},{"role":"other","program":"Stand-Alone Financial Planning","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022761","versionId":1022761,"submittedOn":"2026-03-20","documentName":"2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T18:12:21.520055+00:00","documents":[{"name":"2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022761","versionId":1022761,"submittedOn":"2026-03-20"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022762","versionId":1022762,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":102210253}],"custodyNote":"BHC Wealth Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Joel Cavaliere","title":"CCO","crd":"7097718"},{"name":"Linda Gardner","title":"CEO","crd":"5116107"},{"name":"Carl Gardner","title":"CFO","crd":"8188713"}],"ownership":[{"label":"Blue Heron Capital, LLC","detail":"Managing member in the 75% or more ownership band and a control person, since December 2025."},{"label":"Linda Gardner","detail":"Indirect owner: a managing member of Blue Heron Capital, LLC in the 25% to 50% band and a control person, since December 2003.","parent":"Blue Heron Capital, LLC"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":1,"addresses":[{"street":"2 Inverness Drive E., Suite 106","city":"Englewood","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"720-488-8604","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":26},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":9},{"label":"Securities issued by registered investment companies or business development companies","percent":56},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":5},{"label":"Other","percent":1,"detail":"CD, Alts"}],"privateFunds":0},"sources":{"adv1FilingDate":"20 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/339475/PDF/339475.pdf","brochureDate":"20 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022761","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does BHC Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does BHC Wealth Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does BHC Wealth Management charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does BHC Wealth Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does BHC Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does BHC Wealth Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does BHC Wealth Management have a minimum investment?","answer":"Yes, BHC Wealth Management’s minimum account size for its Investment Management Fees and Compensation is $250K.","source":"2A BROCHURE, filed 20 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns BHC Wealth Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does BHC Wealth Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact BHC Wealth Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}