CLIENT RELATIONSHIP SUMMARY (CRS)
Birchcreek Wealth Management, LLC (CRD #304207)
Our firm, Birchcreek Wealth Management, LLC, is registered as an investment adviser with the U.S. Securities and
Exchange Commission. Brokerage and investment advisory services and fees differ and it is important for you to
understand these differences. Free and simple tools are available to research firms and financial professionals at
Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and
Relationships and Services
What investment services and advice can you provide me?
Services: We offer investment advisory services to retail investors. These services include wealth management
which is a combination of financial planning and investment management. We may also offer investment
management and financial planning as a stand-alone service. We work closely with you to identify your investment
goals and objectives, as well as risk tolerance and financial situation in order to develop an investment approach.
Accounts, Investments, and Monitoring: We provide services to individual, joint, retirement, trust and estate
accounts. We primarily use mutual funds, exchange-traded funds, and individual equity and fixed income securities
in constructing portfolios. We do not offer proprietary products or limit available products or types of investments.
As part of our services, we monitor portfolios and securities in accounts on a regular and continuous basis. We also
meet with you to review the strategy periodically, depending on your needs, but at least annually.
Investment Authority: Generally, we provide our services on a perpetual and discretionary basis. We execute
investment recommendations in accordance with your investment objectives without requiring your prior approval
of each specific transaction. Our engagement will continue until you notify us otherwise in writing. In some cases,
we also offer our services on a non-discretionary basis, which means we are required to obtain your consent prior
to executing any trades in your accounts. Therefore, you will make the ultimate decision regarding the purchase or
sale of investments in your accounts. However, we may not be able to aggregate your order with other client orders
under this type of authority and therefore you may not receive the same price as other clients.
Account Minimums & Other Requirements: Our firm generally does not impose a minimum size for
establishing a relationship. However, certain investments and strategies may require certain minimums for effective
Additional Information: For more detailed information on our relationships and services, please see Item 4 –
Advisory Services, Item 13 – Review of Accounts and Item 7 – Types of Clients of our Form ADV Part 2A available
via our firm’s Investment Adviser Public Disclosure Page.
Conversation Starters: Given my financial situation, should I choose an investment advisory service? Why or
why not? How will you choose investments to recommend to me? What is your relevant experience, including
your licenses, education and other qualifications? What do these qualifications mean?
Fees, Costs, Conflicts, and Standard of Conduct
What fees will I pay?
Asset-Based Fees: Our asset-based fee for wealth management and investment management generally ranges
from 0.50% up to 1.50% annually but in some cases are negotiable based on the scope and scale of the ongoing
services. This fee is agreed upon in advance of establishing an ongoing relationship. Fees are collected on a
monthly basis and calculated as a percentage of the value of the cash and investments in your account[s] that we
manage. This presents a conflict of interest as we are financially incentivized to encourage you to place more
assets in your advisory account as you will pay more in advisory fees.
Fixed Fees: Our fixed fees are a flat dollar amount annually or project-based for our financial planning and/or
investment advisory services. Project-based fees are determined by the expected number of hours to complete
the engagement at our hourly rate described above. We collect project-based fees in two separate installments.
Annual fixed fees are billing monthly in advance at 1/12 of the annual rate. Fixed fees are negotiable based on the
nature and complexity of the services to be provided and the overall relationship with us. We provide you with an
estimate of the total cost prior to engaging us for these services.
Hourly Fees: Our hourly fees for financial planning are at a rate of up to $300 per hour. We collect fees in two
separate installments. Hourly fees are negotiable based on the nature and complexity of the services to be provided
and the overall relationship with us. We provide you with an estimate for total hours and overall costs prior to
engaging us for these services.
Other Fees & Costs: In addition to our advisory fee, you will also be responsible for third party manager fees,
custody fees, account administrative fees, fees and expenses related to mutual funds and exchange-traded funds
and applicable securities transaction fees.
Additional Information: You will pay fees and costs whether you make or lose money on your investments.
Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you
understand what fees and costs you are paying. For more detailed information on our fees, please see Item 5 –
Fees and Compensation of our Form ADV Part 2A available via our firm’s Investment Adviser Public Disclosure
Conversation Starters: Help me understand how these fees and costs might affect my investments. If I give you
$10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
What are your legal obligations to me when acting as my investment adviser?
How else does your firm make money and what conflicts of interest do you have?
When we act as your investment adviser, we have to act in your best interest and not put our interests ahead of
yours. At the same time, the way we make money creates some conflicts with your interests. You should
understand and ask us about these conflicts because they can affect the investment advice we provide you. Here
is an example to help you understand what this means.
We will recommend that you open your account with a specific custodian, where we maintain an institutional
relationship and receive economic benefits. The receipt of economic benefits presents a conflict of interest and
can influence our recommendation of the custodian to you. However, you ultimately decide where to open your
accounts. Choosing a different custodian may result in the loss of quality of service and/or ability to obtain favorable
Additional Information: For more detailed information, please see Item 10 – Financial Industry Activities and
Affiliations, Item 12 – Brokerage Practices and Item 14 – Client Referrals and Other Compensation of our Form
ADV Part 2A available via our firm’s Investment Adviser Public Disclosure Page.
Conversation Starters: How might your conflicts of interest affect me, and how will you address them?
How do your financial professionals make money?
Our financial professionals are compensated based on the revenue generated from the accounts they service
directly. This means financial professionals have an incentive to increase the asset size in the relationship or solicit
new business, taking time away from the day-to-day servicing of current clients.
Do you or your financial professionals have legal or disciplinary history?
No. You can visit Investor.gov/CRS for a free and simple search tool to research our firm and our financial
Conversation Starters: As a financial professional, do you have any disciplinary history? For what type of
You can find additional information about our investment advisory services by visiting www.adviserinfo.sec.gov
and searching with our CRD #304207 or by visiting https://birchcreekwealth.com. You can request up to date
information and a copy of our client relationship summary by contacting us at (937) 567-0646.
Conversation Starters: Who is my primary contact person? Is he or she a representative of an investment
advisor? Who can I talk to if I have concerns about how this person is treating me?