ABOUT ARROWHEAD ASSET MANAGEMENT

With offices in Wimberley, Texas, Arrowhead Asset Management (AAM) is a fee-only investment advisory service offering risk-managed retirement plans and individual investment accounts for 1) colleges and university faculty & staff, 2) small business owners, and 3) families and professionals in central Texas. For most clients, we set up accounts with the discount broker Fidelity Investments. In addition, we use TIAA-CREF, the no-load, low expense, financial services firm, for specific Texas Optional Retirement Plan/403(b) client insurance annuity needs.

Unlike the commission-based, conflict-of-interest investment advisors who promote an outdated "invest and hold, trust the stock market" philosophy of money management, our investment strategy focuses on identifying sustainable money flow trends into desirable industry-specific sectors, global geographical regions, high income securities, real estate investment trusts (REITs), stocks, and money market cash when necessary.

With Arrowhead Asset Management, investors (1) receive objective investment advice, (2) avoid paying antiquated, performance-reducing commissions, and (3) retain control of their assets by avoiding commission "loaded" brokerage products and insurance annuities that are costly, illiquid, and less effective in today's investment environment. As we stated earlier, however, we do use the TIAA-CREF insurance annuity for specific investor needs because their annuity product assesses no surrender penalties on the CREF (mutual fund) side of the annuity and they have one of the lowest "insurance mortality expense" ratios in the entire insurance industry.


Arrowhead Asset Management (AAM) was founded in 1991 by Ralph A. Boschert for the purpose of providing our specific investor groups with a more sophisticated investment advisory service (fee-only) than that offered by the typical brokerage and insurance sales approach.

Ralph A. Boschert, Owner and Managing Principal of Arrowhead Asset Management, is a Registered Investment Advisor. Mr. Boschert has 25 years in the money management and investment business, both as a financial planner and National Marketing Director. Mr. Boschert also worked five years as a Career Counselor at the University of California, Berkeley.

Mr. Boschert has a Master's degree (1978) and Bachelor's degree (1975) from California State University, Chico, and is a nationally-recognized speaker and published author on green energy, social-value investing, and the inappropriateness of insurance annuities within retirement plans. He works and resides in Wimberley, Texas.

Anthony Wilson, Client Services and Administration, has a Bachelor's degree from Texas State University, San Marcos, and also works out of the Wimberley/San Marcos office. He was born and raised in the United Kingdom and has lived in Texas for over 20 years.