A. Firm Information
Dogwood Wealth Management, LLC (“Dogwood Wealth” or the “Advisor”) is a registered investment advisor
with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability
Company (“LLC”) under the laws of the State of Kansas. Dogwood Wealth was founded in January 2022 and is
owned and operated by Eric J. Sheerin AIF®, RFC® (Principal) and Jason R Newcomer CFP®, AIF®, EA®
(Principal and Chief Compliance Officer). This Disclosure Brochure provides information regarding the
qualifications, business practices, and the advisory services provided by Dogwood Wealth.
B. Advisory Services Offered
Dogwood Wealth offers investment advisory services to individuals, high net worth individuals, trusts, estates,
businesses, and retirement plans (each referred to as a “Client”).
The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary,
the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential
conflicts of interest. Dogwood Wealth's fiduciary commitment is further described in the Advisor’s Code of Ethics.
For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in
Client Transactions and Personal Trading.
Investment Management Services
Dogwood Wealth provides customized investment advisory solutions for its Clients. This is achieved through
continuous personal Client contact and interaction while providing investment management and related advisory
services. Dogwood Wealth works closely with each Client to identify their investment goals and objectives as well
as risk tolerance and financial situation in order to create a portfolio strategy. Dogwood Wealth will then construct
an investment portfolio, primarily utilizing exchange-traded funds (“ETFs”) and mutual funds to achieve the
Client’s investment goals. The Advisor may also utilize individual stocks, individual bonds and/or other types of
investments, as appropriate to meet the needs of the Client. The Advisor may retain certain types of investments
based on a Client’s legacy investments based on portfolio fit and/or tax considerations.
Dogwood Wealth’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-
allocate positions that have been held for less than one year to meet the objectives of the Client or due to market
conditions. Dogwood Wealth will construct, implement, and monitor the portfolio to ensure it meets the goals,
objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place
reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by
the Advisor.
Dogwood Wealth evaluates and selects investments for inclusion in Client portfolios only after applying its internal
due diligence process. Dogwood Wealth may recommend, on occasion, redistributing investment allocations to
diversify the portfolio. Dogwood Wealth may recommend specific positions to increase sector or asset class
weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement.
Dogwood Wealth may recommend selling positions for reasons that include, but are not limited to, harvesting
capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or
overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet
Client needs, or any risk deemed unacceptable for the Client’s risk tolerance.
At no time will Dogwood Wealth accept or maintain custody of a Client’s funds or securities, except for the limited
authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at
the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices.
Financial Planning Services
Dogwood Wealth will typically provide a variety of financial planning and consulting services to Clients, as part of
an overall wealth management engagement or pursuant to a separate financial planning agreement. Services are
offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such
financial planning services involve preparing a formal financial plan or rendering a specific financial consultation
based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas
of need, including but not limited to, investment planning, retirement planning, personal savings, education savings,
insurance needs, and other areas of a Client’s financial situation.
A financial plan developed for, or financial consultation rendered to the Client will usually include general
recommendations for a course of activity or specific actions to be taken by the Client. For example,
recommendations may be made that the Client start or revise their investment programs, commence, or alter
retirement savings, establish education savings and/or charitable giving programs.
Dogwood Wealth may also refer Clients to an accountant, attorney or other specialists, as appropriate for their
unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the
Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the
Advisor may not provide a written summary. Plans or consultations are typically completed within six (6) months
of contract date, assuming all information and documents requested are provided promptly.
Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the
interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for
investment management services or to increase the level of investment assets with the Advisor, as it would increase
the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations
made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the
recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the
Advisor.
Retirement Plan Advisory Services
Dogwood Wealth provides 3(21) retirement plan advisory services on behalf of the retirement plans (each a “Plan”)
and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the
Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is
customized to the needs of the Plan and Plan Sponsor. Services generally include:
• Vendor Analysis
• Plan Participant Enrollment and Education Tracking
• Investment Policy Statement (“IPS”) Design and Monitoring
• Performance Reporting
• Ongoing Investment Recommendation and Assistance
• ERISA 404(c) Assistance
These services are provided by Dogwood Wealth serving in the capacity as a fiduciary under the Employee
Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the
Plan Sponsor is provided with a written description of Dogwood Wealth’s fiduciary status, the specific services to be
rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement.
Lending Solutions Assistance
Dogwood Wealth may, at times, assist clients with finding lending solutions for their financial needs. This service is
offered to existing clients as needed and Dogwood Wealth receives no compensation from the Client for this
service. It is a complementary offering from the firm. Clients may incur loan origination fees or other charges if
they choose to proceed with lending solutions from Uptiq or their affiliated lenders.
C. Client Account Management
Prior to engaging Dogwood Wealth to provide investment advisory services, each Client is required to enter into
one or more written agreements with the Advisor that define the terms, conditions, authority and responsibilities of
the Advisor and the Client. These services may include:
Establishing an Investment Strategy – Dogwood Wealth, in connection with the Client, will develop a
strategy that seeks to achieve the Client’s goals and objectives.
Asset Allocation – Dogwood Wealth will develop a strategic asset allocation that is targeted to meet the
investment objectives, time horizon, financial situation, and tolerance for risk for each Client.
Portfolio Construction – Dogwood Wealth will develop a portfolio for the Client that is intended to meet the
stated goals and objectives of the Client.
Investment Management and Supervision – Dogwood Wealth will provide investment management and
ongoing oversight of the Client’s investment portfolio.
D. Wrap Fee Programs
Dogwood Wealth does not manage or place Client assets into a wrap fee program. Investment management services
are provided directly by Dogwood Wealth.
E. Assets Under Management
Dogwood Wealth has $93,397,382 in discretionary assets under management and $0 in non-discretionary assets
under management as of December 31, 2022. Clients may request more current information at any time by
contacting the Advisor.