Gerhardt Clemans Wealth Management, Inc.

We are dedicated to providing strategic investment management and wealth planning to individuals and families. Simply put, we strive to be our clients' trusted adviser. As a financial advisory firm, our primary focus is to provide unbiased opinions that are designed to achieve long term investment results.

Gerhardt Clemans Wealth Management, Inc. does this with the highest levels of trust, integrity and respect while always collaborating with a team approach.

We are dedicated to professionally supporting, educating, and providing informed direction to each and every client.

Our philosophy is simple. We want to get to know you in order to help you make the best decisions possible.

As a firm, our focus is to understand your goals and develop a plan to reach them. We will meet with you to present an analysis and discuss our recommendations. Together, we implement the recommendations and monitor your progress. From here, we will plan regular meetings with you to assess the progress toward your goals and, when necessary, we will make adjustments to your financial plan.

Because there are many factors that may change in your situation or the environment, it’s of the utmost importance to us to be proactive and knowledgeable in the financial industry. We are committed to staying up-to-date on relevant tax, estate and social security laws in order to provide you with the best financial advice for your particular situation.

A strong planning process is the best way to create a more financially secure plan. It is crucial to create a financial plan that seeks to protect your needs now, and that plans for the future, in a tax efficient manner. It is our goal to assist you to build a solid financial structure that will stand the test of time and that will grow and build wealth for you and your family.

With these goals in mind, we will work together to assess your total financial planning needs. We will consider important milestones such as major purchases, marriage, children, education, dreams and retirement. This plan will entail regular review of ongoing financial management strategies.

This goal-based financial security planning approach is designed to help you:

1) Define customized short and long-term goals that ensure you choose only the right financial products and services.

2) Identify roadblocks or gaps that might impact your financial planning strategy.

3) Continually monitor your plan to ensure it meets your changing needs.

GCWM offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. GCWM creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels).

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
Tax Strategy

GCWM evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. GCWM 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.

GCWM generally limits its investment advice to the following:

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.
GCWM may use other securities as well to help diversify a portfolio when applicable.

GCWM offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs.

GCWM’s methods of analysis include:

Charting Analysis - involves the use of patterns in performance charts. GCWM uses this technique to search for patterns used to help predict favorable conditions for buying and/or selling a security.

Fundamental Analysis - involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages.

Technical Analysis - involves the analysis of past market data; primarily price and volume.

Cyclical Analysis - involves the analysis of business cycles to find favorable conditions for buying and/or selling a security.

Quantitative Analysis - deals with measurable factors as distinguished from qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on.

Modern Portfolio Theory - attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, each by carefully choosing the proportions of various asset.

GCWM uses long term trading, short term trading, short sales, margin transactions and options trading (including covered options, uncovered options, or spreading strategies).


Disclaimer

Investment Adviser Registration

Gerhardt Clemans Wealth Management, Inc. (GCWM) is a state registered investment adviser and is regulated by the state in which the Firm conducts business. GCWM and its affiliates may only transact business or render personalized investment advice in those states where we are registered or otherwise qualified to do so.

To view registration status, follow the link provided:
http://www.adviserinfo.sec.gov/IAPD/Firm/227787

Investing

GCWM is dedicated to providing investment management and strategic wealth planning to individuals and families. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. We cannot guarantee profits of any kind, nor can we protect from losses.

Before investing, consider the investment objectives, risks, charges, and expenses. Contact GCWM for their Form ADV 2A and any additional information. Read it carefully.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment strategy or product made reference to directly or indirectly by GCWM in its website will be profitable or equal the corresponding indicated performance level(s).

No Offering of Advice, Products or Services

GCWM does not render or offer to render personalized financial or investment advice through this website. This website is limited to the dissemination of general information on GCWM’s service offerings and provides for an efficient method in which a prospective client may contact us.

This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states or countries where we are registered. The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject GCWM to any registration requirement within such jurisdiction.

Privacy Notice

GCWM is committed to safeguarding the confidential information of its clients. We hold all personal information provided to our firm in the strictest confidence. These records include all personal information that we collect from you in connection with any of the services provided by GCWM. We will never disclose information to nonaffiliated third parties, except when necessary by law. If we were to anticipate such a change in our firm policy, we would be prohibited under the law from doing so without advising you first. As you know, we use financial information that you provide to us to help you meet your personal financial goals while guarding against any real or perceived infringements of your rights of privacy. Some of our policies with respect to personal information about you are listed below.

1) We limit employee and agent access to information only to those who have a business or professional reason for knowing, and only to nonaffiliated parties as permitted by law. (For example, Federal regulations permit us to share a limited amount of information about you with a brokerage firm in order to execute securities transactions on your behalf, or so that our firm can discuss your financial situation with your accountant or lawyer.)

2) We maintain a secure office and computer environment to ensure that your information is not placed at unreasonable risk.

3) For unaffiliated third parties that require access to your personal information, including financial service companies, consultants, and auditors, we also require strict confidentiality in our agreements with them and expect them to keep this information private. Federal and state regulators may also review firm records as permitted under law.

4) We do not provide your personally identifiable information to mailing list vendors or solicitors for any purpose.

Clients may obtain information regarding GCWM’s Privacy Policy upon request.

Use of Links

Links (also known as “hyperlinks”) to or from other Internet sites may be included at times for the convenience of the user. GCWM and its affiliates assume no responsibility for the content of any linked site. The fact that such links may exist does not indicate approval or endorsement of any material contained on any linked site.