Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email arrow-right-sm arrow-right
Tap on the profile icon to edit
your financial details.

Bolton Global Asset Management Review

Your Details Done
by Updated

This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Bolton Global Asset Management

Bolton Global Asset Management (BGAM) is a broker-dealer and financial advisor firm located in Bolton, Massachusetts. BGAM advises a wide range of institutional and individual clients, working with them to provide both investment management and financial planning services.

As a fee-based firm, certain advisors at BGAM can receive commissions for the sale of specific investments or insurance products. This differs from the fee schedule of a fee-only firm, which is any one that earns all of its income from client-paid fees.

Bolton Global Asset Management Background

Bolton Global Asset Management went into business in 2002 as a dually registered broker-dealer and SEC-registered investment advisor. It operates one office in Bolton, and it is wholly owned by Bolton Financial Group. BGAM works closely with BNY Mellon and Pershing, as all of its securities trades are cleared through these firms. Several of the firm's advisors hold financial certifications.

Bolton Global Asset Management Client Types and Minimum Account Sizes

Bolton Global Asset Management works with both individual and institutional clients, though individual clients make up the majority of its client base. Of these individuals, the majority have less than a high net worth. Institutional clients include pensions and profit-sharing plans, charities and businesses.

BGAM does not have a set account minimum for new clients.

Services Offered by Bolton Global Asset Management

Bolton Global Asset Management works with clients to provide both investment management and financial planning services. It also serves as a broker-dealer in its role as an investment advisor. Investment management services come in many forms, including wrap programs, mutual fund asset allocation programs and advisory programs offered by third-party firms. Services are offered on both a discretionary and non-discretionary basis.

Financial planning services at BGAM are based on the needs of each client. This service includes advice on issues like tax planning, investment planning, retirement planning, estate planning, business needs planning, education planning and more.

Bolton Global Asset Management Investment Philosophy

As is the case with many advisory firms, Bolton Global Asset Management works with clients to determine their overall financial situation and goals before allocating their portfolio's assets. This involves reviewing a client’s risk tolerance, liquidity needs, time horizon and anything else that's relevant to their desired financial future. Once these characteristics are compiled, the client's advisor will present them with a plan prior to investing any money.

The firm and its advisors use a wide range of analysis methods to inform the decisions they make in relation to investments within clients' portfolios. These methods include fundamental analysis, technical analysis and cyclical analysis, along with mutual fund and exchange-traded fund (ETF) analysis.

Fees Under Bolton Global Asset Management

Advisory services are offered through a network of investment advisor representatives (IARs) 

Investment management fees at Bolton Global Asset Management are generally negotiable. Clients engaging in this service will pay a maximum of 2.5% of their assets under management. Some advisors, however, may adhere to a static fee schedule for their own clients, which will fit within the firm's advisory fee range. 

Financial planning fees are fully negotiable and are charged on either an hourly or fixed fee basis. If the arrangement is hourly, fees will not exceed $500 per hour.

What to Watch Out For

Bolton Global Asset Management has nine disclosures listed on its Form ADV. These disclosures include regulatory, criminal and judicial infractions, such as failure to disclose certain information and incomplete filings. Of the nine disclosures, all but two apply to advisory affiliates of the firm. The remaining couple of disclosures belong to the firm completely and both the firm and an advisory affiliate, respectively.

BGAM is a fee-based firm, as some of its advisors are broker-dealer representatives or insurance agents. Each of these dynamics creates a potential conflict of interest, as advisors can receive additional compensation in these roles. However, the firm is a fiduciary and is legally obligated to act in the best interests of clients at all times.

Opening an Account With Bolton Global Asset Management

If you're interested in opening an account with Bolton Global Asset Management, you'll have to either call the firm over the phone or visit it at its office in Bolton.

All information is accurate as of the writing of this article.

Tips for Finding a Financial Advisor

  • A financial advisor can help you navigate the world of planning for retirement and investing for the future. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • If you're trying to get started with retirement planning, check out SmartAsset's free retirement calculator. This tool will help you figure out how much you need to earn in order to reach your long-term retirement goals.

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research