Services Provided by Potomac Wealth Strategies

Financial Planning | Investment Advice | Ongoing Guidance

Potomac Wealth Strategies (PWS) helps you make confident financial decisions based on your personalized strategy. You work directly with your financial advisor, Gary Partoyan, to understand your goals, build a plan, and put it into action. Your accounts are held securely at established custodians, with all reporting tools and plan details available via a secure online portal.

PWS' Core Services

📊 Financial Planning & Goal Setting

We chart the course for where you want to go (such as retirement) by identifying how much to save and where to allocate your assets. Before any decisions are made, we take the time to understand your full financial picture and build your plan. This includes guidance on:

• Savings optimization and account selection

• Retirement timing and distribution strategies

• Education funding and major life milestones

• Contingency planning for unexpected life changes

📈 Investment Advice & Portfolio Management

We determine your risk tolerance and time horizon and implement a personalized investment strategy. We focus on investing prudently and keeping your portfolio aligned with your long-term goals using a diversified mix of:

• Mutual funds and ETFs

• Individual stocks and bonds

• Cash and liquid assets

💼 Account Setup & Ongoing Guidance

We streamline the logistics of managing your wealth by helping you open new accounts and transfer existing ones to Schwab Advisor Services and/or other custodial platforms.

• Strategic Adjustments:  We continuously monitor your portfolio and adjust your strategy and investments to keep up with your personal situation and markets conditions.

• Administrative Support:  You work directly with your financial advisor for planning and advice, while our partner custodians provide secure transactional support.

🔍 Comprehensive Wealth Coordination

Depending on your needs, we provide holistic guidance that extends beyond investments, coordinating with your tax and legal advisors to think through:

• Cash flow and budgeting

• Retirement income structuring

• Insurance asset protection considerations

• Tax and estate planning (PWS does not offer tax or legal advice but does help clients strategize such that they can interface efficiently and thoroughly with their own tax and legal advisors)

Fee Structure

We believe in complete transparency. Potomac Wealth Strategies offers a single, clear fee structure:

💰 One Advisory Fee. No Commissions. No Hidden Incentives. PWS is compensated strictly by clients through an advisory fee based on Assets Under Management (AUM), typically billed quarterly. This fee covers all investment advice and supporting services (financial planning, portfolio management, wealth coordination). We do not accept commissions, referral fees, or any product-based compensation.  Charles Schwab & Company's Advisor Services platform serves as intermediary for fee payment, so PWS is never able to take money directly from a client.