Boston Financial Management, LLC is an independent wealth management firm that provides investment management, financial planning, estate planning and trust services to individuals, families, endowments, and not-for-profit organizations. We were founded to answer the unique challenges that come with wealth and continue to provide solutions to our clients' most important financial questions.
Our team creates comprehensive and customized financial plans to address the financial needs and life goals of our clients based on a review of their personal financial situation and investment objectives. We offer strategic advice that integrates with that of other advisors our clients may have. Our team monitors our clients' portfolios, manages investment changes and communicates regularly with clients to review any changes to their financial picture. As changes occur, BFM can implement appropriate adjustments to our clients' plans.
Boston Financial Management, LLC furnishes investment supervisory services to clients both on a discretionary and a non-discretionary basis. The strategies we offer are listed below, but additionally, we may manage client portfolios in accordance with specialized or hybrid strategies not listed. In managing accounts, we consult at the outset with the client for the purpose of establishing investment objectives, and to determine an appropriate investment strategy suited to the client's investment goals and risk tolerance.

•BFM High Quality Dividend Appreciation Strategy
•BFM High Quality Mid Cap Strategy
•BFM International Equity Strategy
•BFM High Quality Income Strategy
•BFM Global Asset Allocation Strategy
•BFM Global Impact (ESG) Asset Allocation Strategy
•BFM Balanced Strategy
•BFM Fixed Income Strategy Clients may impose restrictions on investments in certain securities or types of securities or direct the purchase of specific securities for their accounts, and we will honor those restrictions and execute those directions. Investments are selected and periodically reviewed in light of such objectives and strategy. From time to time, we, in consultation with the client, review, and if appropriate, revise the investment objectives and strategy.
While the vast majority of our assets under management represent direct client engagements, a small percentage of our assets under management represent Boston Financial Management investment strategies that are made available through an unaffiliated third-party platform. In this circumstance, our Company has engaged a third-party platform to make our Company's strategies available to clients of the third-party. Boston Financial Management also offers clients a broad range of estate and financial planning services, which may include any or all of the following:
•Customized cash-flow analysis & balance sheet review
•Estate plan review and integration with wealth management plan
•Retirement planning
•Estate & income tax exposure review
•Charitable planning
•Divorce financial

analysis
•Trust Administration 4 Through Boston Fiduciary Services, LLC, we provide professional trustee and fiduciary services to individuals, businesses, and non-profit organizations. The Boston Financial Management Fiduciary Committee is comprised of experienced and credentialed professionals who provide oversight on all fiduciary matters where we are named as trustee. Boston Fiduciary Services, LLC is a wholly owned subsidiary of Boston Financial Management. We are 100% owned by senior employees of the firm or trusts created by those employees. We have been providing advisory services since 1976.
IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you.
When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Sub-Advisory Our strategies are offered through a sub-advisory agreement with a third-party advisor, Envestnet. Envestnet sponsors a program which makes Boston Financial Management strategies available to other financial advisors. Those financial advisors have the option to recommend our pre-defined investment strategies as part of their investment advisory services to their own clients. In its sub- advisory arrangement, Boston Financial Management provides non-discretionary advice and is not responsible for the execution of trades.
As of December 31, 2023, we managed $4,341,951,644 of client assets on a discretionary basis and $108,002,945 of client assets on a non-discretionary basis.
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