Overview
Rosemarie Boyd founded “Boyd Financial Strategies” (BFS) as a sole proprietorship in 1983 and was
joined by her husband, John Boyd, in 1985. They were organized later as a partnership and then a
corporation, all in the Commonwealth of Massachusetts. In addition to “Boyd Financial Strategies” they
have done business under the name “Strategic Investment Advisers, Inc.” and have also used names
“BoydTalk” and “Your Financial Compass” on websites, blogs, and the radio. Peter Boyd joined the firm
in 2008 and, In 2022, became senior financial planner, bond portfolio manager and chief operations
officer. Rosemarie Boyd retired from daily activities with the firm in August 2022, but retains an
ownership interest in the firm and continues to help young individuals and couples on a pro-bono basis.
We have always provided Financial Planning Advice and Investment Advice to individuals, (herein
referred to as “Client"). We do have a few 401k plans and business associations as Clients, but our
primary focus is working with families and individuals with $500,000 to $20,000,000 in assets.
Our investment strategies primarily use mutual funds, stocks, bonds, CDs, and fixed rate deferred
annuities. Our wealth management process uses fundamental, technical and charting techniques in the
selection and
supervision of investment holdings.
We require that each Client develop a “Financial Plan” or “Investment Plan” through our firm before we
make specific investment recommendations or assume investment management functions. We tailor
the “Investment Mix” to each Client’s specific needs using strategies and models defined and developed
by our firm. We also provide analysis and supervision of securities outside of our defined strategies and
models where it is needed by the Client’s circumstances. The Client may restrict specific securities from
supervision by our firm, or require us to contact them and confirm a proposed transaction for a specific
security.
We use Charles Schwab and Company as our primary recommended custodian, but we may work with
other custodians if it is in the best interest of the Client (e.g., 401k at Fidelity, nonstandard assets held at
a specialized custodian).
As of December 31, 2023, we had $109,496,837 in assets under management, $108,957,315 of which is
managed on a discretionary basis and $539,522 on a non-discretionary basis.
Other Client assets are incorporated into the Client investment plan and may be noted in agreements as
unsupervised assets, so it is clear where our responsibilities begin and end.
More detail follows in the sections below.