A. Description of the Advisory Firm
Westshore Wealth (hereinafter “WW”) is a Limited Liability Company. The firm was
formed in April 2016, and is co-owned by Trevor Bryant, Ryan Brizendine, Robert Sigler,
Ryan McGuire, Ryan Ornellas and Dallas Revel LLC (Lance Jamerson).
B. Types of Advisory Services
Portfolio Management Services
WW offers ongoing portfolio management services based on the individual goals,
objectives, time horizon, and risk tolerance of each client. WW creates an Investment
Policy Statement for each client, which outlines the client’s current situation (income, tax
levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a
portfolio that matches each client's specific situation. Portfolio management services
include, but are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring
WW evaluates the current investments of each client with respect to their risk tolerance
levels and time horizon. WW will request discretionary authority from clients in order to
select securities and execute transactions without permission from the client prior to each
transaction. Risk tolerance levels are documented in the Investment Policy Statement,
which is given to each client. We may utilize outside money managers to assist in
providing asset management services.
WW seeks to provide that investment decisions are made in accordance with the fiduciary
duties owed to its accounts and without consideration of WW’s economic, investment or
other financial interests. To meet its fiduciary obligations, WW attempts to avoid, among
other things, investment or trading practices that systematically advantage or
disadvantage certain client portfolios, and accordingly, WW’s policy is to seek fair and
equitable allocation of investment opportunities/transactions among its clients to avoid
favoring one client over another over time. It is WW’s policy to allocate investment
opportunities and transactions it identifies as being appropriate and prudent among its
clients on a fair and equitable basis over time.
Financial Planning
Financial plans and financial planning may include, but are not limited to: investment
planning; life insurance; tax concerns; retirement planning; college planning; and
debt/credit planning.
In offering financial planning, a conflict exists between the interests of the investment
adviser and the interests of the client. The client is under no obligation to act upon the
investment adviser's recommendation, and, if the client elects to act on any of the
recommendations, the client is under no obligation to effect the transaction through the
investment adviser.
Retirement Plan Consulting:
Our firm provides retirement plan consulting services to employer plan sponsors on an
ongoing basis. Generally, such consulting services consist of assisting employer plan
sponsors in establishing, monitoring and reviewing their company's participant-directed
retirement plan. As the needs of the plan sponsor dictate, areas of advising may include:
• Establishing an Investment Policy Statement – Our firm will assist in the
development of a statement that summarizes the investment goals and objectives
along with the broad strategies to be employed to meet the objectives.
• Investment Options – Our firm will work with the
Plan Sponsor to evaluate
existing investment options and make recommendations for appropriate changes.
• Asset Allocation and Portfolio Construction – Our firm will develop strategic asset
allocation models to aid Participants in developing strategies to meet their
investment objectives, time horizon, financial situation and tolerance for risk.
• Investment Monitoring – Our firm will monitor the performance of the
investments and notify the client in the event of over/underperformance and in
times of market volatility.
• Participant Education – Our firm will provide opportunities to educate plan
participants about their retirement plan offerings, different investment options,
and general guidance on allocation strategies.
In providing services for retirement plan consulting, our firm does not provide any
advisory services with respect to the following types of assets: employer securities, real
estate (excluding real estate funds and publicly traded REITS), participant loans, non-
publicly traded securities or assets, other illiquid investments, or brokerage window
programs (collectively, “Excluded Assets”). All retirement plan consulting services shall
be in compliance with the applicable state laws regulating retirement consulting services.
This applies to client accounts that are retirement or other employee benefit plans (“Plan”)
governed by the Employee Retirement Income Security Act of 1974, as amended
(“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to
provide services to such accounts, our firm acknowledges its fiduciary standard within
the meaning of Section 3(21) or 3(38) of ERISA as designated by the Retirement Plan
Consulting Agreement with respect to the provision of services described therein.
Services Limited to Specific Types of Investments
WW generally limits its investment advice to mutual funds, fixed income securities, real
estate funds (including REITs), equities, ETFs (including ETFs in the gold and precious
metal sectors), treasury inflation protected/inflation linked bonds, commodities, non-U.S.
securities, venture capital funds or private placements. WW may use other securities as
well to help diversify a portfolio when applicable.
C. Client Tailored Services and Client Imposed Restrictions
WW will tailor a program for each individual client. This will include an interview session
to get to know the client’s specific needs and requirements as well as a plan that will be
executed by WW on behalf of the client. WW may use “model portfolios” together with a
specific set of recommendations for each client based on their personal restrictions, needs,
and targets. Clients may impose restrictions in investing in certain securities or types of
securities in accordance with their values or beliefs. However, if the restrictions prevent
WW from properly servicing the client account, or if the restrictions would require WW
to deviate from its standard suite of services, WW reserves the right to end the
relationship.
D. Wrap Fee Programs
A wrap fee program is an investment program where the investor pays one stated fee that
includes management fees, transaction costs, fund expenses, and other administrative
fees. WW does not participate in any wrap fee programs.
E. Assets Under Management
WW has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$441,126,730 $32,631,323 December 31, 2023