Buttonwood Wealth, LLC (hereinafter “Buttonwood Wealth” or the “firm”) is a registered investment advisor
based in Winchester, Virginia. We are a limited liability company, organized under the laws of the Commonwealth
of Virginia. We have been providing investment advisory services since 2019. Jeffrey Alan Hahn is the principal
owner of Buttonwood Wealth.
You may see the term Associated Person throughout this Brochure. As used in this Brochure, this term refers to
anyone from our firm who is an officer, an employee, and all individuals providing investment advice on behalf of
our firm. Where required, such persons are properly registered as investment adviser representatives.
Currently, we offer the following investment advisory services, personalized for each individual Client:
• Financial Planning Services
• Portfolio Management Services
• Referrals to Third Party Investment Advisers
• Pension Consulting Services
Financial Planning Services
Buttonwood Wealth offers various financial planning related services, which assist Clients in the management of
their financial resources. Financial planning services are based upon an analysis of the Client’s individual needs
beginning with one or more information gathering consultations. Once the firm has collected and analysed all
documentation gathered during these consultations, Buttonwood Wealth provides a written financial plan
designed to achieve the Client’s financial goals and objectives. Buttonwood Wealth then assists Clients in
developing a strategy for the successful management of income, assets, and liabilities. In general, financial
planning services may include any one or all of the following:
• Cash Flow Analysis – Assessment of present financial situation by collecting information regarding net
worth and cash flow statements, tax returns, insurance policies, investment portfolios, pension plans,
employee benefit statements, etc. The firm advises on ways to reduce risk; and, to coordinate and
organize records and estate information.
• Retirement Analysis – Identification of long-term financial and personal goals and objectives including
advice for accumulating wealth for retirement income or appropriate distribution of assets following
retirement. Tax consequences and implications are identified and evaluated.
• Insurance Analysis – Includes risk management associated with advisory recommendations based on a
combination of insurance types to meet your needs, e.g., life, health, disability, and long-term care
insurance. This will necessitate an analysis of cash needs of the Client’s family at death, income needs of
surviving dependents, and potential disability income needs.
• Portfolio Analysis/Investment Planning – Presentation of investment alternatives, including asset
allocation and its effect on the Client’s portfolio; evaluation of economic and tax characteristics of
existing investments as well as their suitability for the Client; and, identification and evaluation of tax
consequences and their implications.
• Education Savings Analysis – Alternatives and strategies with respect to the complete or partial funding
of college or other post-secondary education.
• Estate Analysis – Advising Clients with respect to property ownership, distribution strategies, estate tax
reduction, and tax payment techniques.
The recommendations and solutions are designed to achieve the Client’s desired goals, subject to periodic
evaluation of the financial plan, which may require revision to meet changing circumstances. Financial plans are
based on your financial situation based on the information provided to the firm. We should be notified promptly
of any change to your financial situation, goals, objectives, or needs.
Clients can also request financial planning services that cover a specific area, such as retirement or estate
planning, asset allocation analysis, manager due diligence, and 401(k) platform due diligence. Clients may choose
to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so by
engaging us for investment advisory services or by using any advisory, brokerage, or insurance provider you
choose.
Important Note: Information related to tax and legal consequences that is provided as part of the financial plan is
for informative purposes only. Clients are instructed to contact their tax or legal advisers for personalized advice.
Portfolio Management Services - Wrap Fee Program
Buttonwood Wealth is the portfolio manager and sponsor of the Buttonwood Wealth Wrap Fee Program. A wrap
fee program combines portfolio management, advisory services, and trade execution for a single fee. Buttonwood
Wealth, as portfolio manager is responsible for the research, security selection, and implementation of
transaction orders in the Client's account. The transactions in the Client's account will be executed by
and
custodied at LPL Financial, LLC (“LPL”), a FINRA-registered broker-dealer, member SIPC. The Client pays
Buttonwood Wealth an all-inclusive Wrap fee. Buttonwood Wealth pays LPL a portion of this fee for trade
execution expenses. Detailed information about the Buttonwood Wealth Wrap Fee Program and program fees is
provided in the Form ADV Part 2A, Appendix 1 (Wrap Brochure) that is attached to this Form ADV Part 2A
Disclosure Brochure.
Web-Based Portfolio Management Services - Betterment Platform
We have partnered with Betterment LLC ("Betterment"), a registered investment adviser, to offer portfolio
management services through the Betterment Institutional online platform. This Program offers us the ability to
create and/or choose portfolios offering a range of managed investment strategies consisting of various asset
classes. Managed portfolios will be comprised of a select number of exchange traded funds ("ETFs") within a
particular asset class. Betterment will manage your portfolio on a discretionary basis. You will be required to sign
a separate agreement with Betterment granting them discretionary authorization to buy and sell, when to buy
and sell, and in what amounts, in accordance with your investment parameters without obtaining your prior
consent or approval for each transaction. Although the written agreement you execute with our firm will provide
us with discretionary authority, such authority will be focused on selecting the managed portfolio(s) on your
behalf based on your risk profile and investment objectives. As noted above, Betterment will have full trading
authority over your portfolio(s). We are available on an ongoing basis to answer any questions regarding the
program or the portfolio(s).
Recommendation of Third Party Investment Advisers
As part of our overall portfolio management strategy, we may also recommend other third party investment
advisers or programs to manage all or a portion of your account. All third party investment advisers recommended
by our firm must either be registered as investment advisers or exempt from registration requirements. Factors
that we take into consideration when making our recommendations include, but are not limited to, the following:
the third party investment adviser’s performance, methods of analysis, fees, your financial needs, investment
goals, risk tolerance, and investment objectives. We will periodically monitor the third party investment adviser’s
performance to ensure its management and investment style remains aligned with your investment goals and
objectives.
Pension Consulting Services
Buttonwood Wealth provides several defined contribution plan and defined benefit plan consulting services
separately or in combination. While the primary Clients for these services will be pension, profit sharing, and
401(k) plans, Buttonwood Wealth will also offer these services, where appropriate, to businesses, individuals,
trusts, estates, and charitable organizations. Pension consulting services are comprised of four distinct services.
Clients may choose to use any or all of these services:
Selection of Investment Vehicles
Buttonwood Wealth will review various investments, consisting of one or all of the following: individual equities,
bonds, other investment products, and mutual funds (both index and managed) to determine which of these
investments are appropriate. The number of investments to be recommended will be determined by the Client.
Monitoring of Investment Performance
Client investments will be monitored continuously. Although Buttonwood Wealth will not be directly effecting
transactions, Buttonwood Wealth will supervise the Client's portfolio and will make recommendations to the
Client as market factors and the Client's needs dictate through periodic reviews.
Employee Communications
For pension, profit sharing and 401(k) plans where the individual account participant exercises control over assets
in his/her own account (hereinafter ''self-directed plans''), Buttonwood Wealth also provides educational support
and investment workshops designed for the Plan participants. The nature of the topics to be covered will be
determined by Buttonwood Wealth and the Client under the guidelines established in ERISA Section 404(c).
Generally, the educational support and investment workshops will NOT provide Plan participants with
individualized, tailored investment advice or individualized, tailored asset allocation recommendations.
Other pension consulting services are available on request. All of our pension consulting services, whether general
or customized, will be outlined in an Agreement that shows the services that will be provided and the fees that
will be charged for those services.
Assets Under Management
As of January 24, 2024, we manage approximately $265,720,505 in client assets on a discretionary basis and
approximately $393,341 in client assets on a non-discretionary basis.