Transactional Investing & Wealth Management: Understanding the Difference

1. Transactional Investing & Wealth Management: Understanding the Difference When it comes to investing, there’s no one-size-fits-all approach — it all depends on the individual, their goals, preferences, and risk tolerance. Some clients want a long-term partner to drive their financial strategy. Others prefer more flexibility and control, with guidance when and where needed. Broker-assisted transactional investing andwealth managementservices each have distinct advantages. At Alamo Capital, we offer both, enabling clients to achieve their investment goals in a way that works for them. Broker-Assisted Transactional Investing Broker-assisted transactional investing is a flexible, pay-per-trade model that gives clients direct access to the markets while still benefiting from the expertise of a broker. There’s no ongoing advisory relationship, instead, clients receive support for individual transactions as needed. One of the main advantages is flexibility. Clients can act when it makes sense for them — whether they’re buying a specific bond, rebalancing a portfolio, or responding to changing market conditions. There’s no commitment to ongoing oversight, which appeals to investors

2. who prefer more autonomy. Another perk is the cost structure. Clients are charged per transaction, which can be more cost-effective for those with targeted goals or less frequent trading activity. While this approach doesn’t include full financial planning, it allows clients to draw on the broker’s product knowledge. Many brokers specialize in areas likemunicipal bondsor fixed- income products, helping clients build or refine a model portfolio without entering a managed relationship. Deal for: •Investors with a specific focus (e.g.,municipal bonds, fixed-income products) •Clients who want occasional input from a broker but don’t need full-time oversight •People investing a lump sum and not planning frequent trades •Those who want to maintain more direct control of decisions while still getting execution support •Cost-conscious investors who want to avoid annual management fees Wealth Management: Wealth management is a comprehensive, long-term approach to financial planning that goes beyond individual transactions. Clients work with a registered representative who develops a tailored strategy based on their goals, life stage, risk tolerance, and overall financial position. It’s a relationship-driven model that includes ongoing portfolio oversight and coordinated planning across multiple areas, integrating investments with retirement strategy, estate considerations, tax efficiency and insurance needs. It provides continuous oversight, with regular portfolio monitoring and ongoing adjustments based on market conditions or changes in your circumstances. Diversification and risk management are also key benefits. Rather than relying on a narrow set of investments, wealth managers typically build balanced portfolios that reflect your time horizon and risk profile, helping to reduce exposure to volatility and market shifts. Ultimately, this approach provides peace of mind. With a trusted expert handling the strategy, clients can focus on their lives while knowing their finances are being managed proactively and professionally.

3. Ideal for: •High-net-worth individuals and families •Clients looking for a long-term strategy that evolves with their lives •People approaching retirement or managing multiple accounts and assets •Anyone who values proactive guidance, structure, and a clear plan •Clients with tax, estate, or legacy planning goals Investing Your Way With decades of experience, specialized product knowledge, and a commitment to personalized service, Alamo Capital offers both flexible, transaction-based support and comprehensive wealth management services in Walnut Creek and beyond. Whatever your financial goals, we can help you invest on your terms.Contact us today at 1- 877-68-ALAMO.