At OnePoint BFG, our philosophy is built on four guiding principles that have stood the test of time. Together, they provide a framework for clarity, confidence, and long-term success.

1

Markets Work

History shows that markets reward patient, long-term investors for the capital they provide. Every day, companies compete for investment capital, and millions of investors compete for attractive returns. By recognizing this relationship, investors can better understand how markets operate.
2

Markets Work

History shows that markets reward patient, long-term investors for the capital they provide. Every day, companies compete for investment capital, and millions of investors compete for attractive returns. By recognizing this relationship, investors can better understand how markets operate.
3

Markets Work

History shows that markets reward patient, long-term investors for the capital they provide. Every day, companies compete for investment capital, and millions of investors compete for attractive returns. By recognizing this relationship, investors can better understand how markets operate.
4

Markets Work

History shows that markets reward patient, long-term investors for the capital they provide. Every day, companies compete for investment capital, and millions of investors compete for attractive returns. By recognizing this relationship, investors can better understand how markets operate.

The Process of Combining Financial Planning With Investment Strategy

Obtaining a clear and comprehensive view of your financial landscape is essential to achieving long-term success. This begins with understanding your core values, personal philosophy, and aspirations for the future. We take a 360-degree approach to evaluating your current financial well-being, carefully considering both the “why” and the “how” behind each element of your financial framework.

From there, we work with you to develop a comprehensive plan tailored to your unique goals. Defining and prioritizing what matters most provides clarity, puts financial decisions into perspective, and helps you make better investment choices. Our mission is to guide you toward a future that is confident, prosperous, and secure.

With your plan in place, our team identifies an asset allocation designed to align with your goals and risk tolerance. Because asset allocation is the primary driver of long-term returns, we focus on the overall composition of your portfolio, ensuring it supports both your immediate needs and your long-term objectives

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We also emphasize tax efficiency and cost-effectiveness in implementing your personalized investment strategy. Where appropriate, this includes techniques such as minimizing short-term capital gains, managing dividend distributions, strategically harvesting losses, and considering the most effective placement of assets across tax-deferred, tax-free, and taxable accounts.

As life evolves, we review your plan and portfolio regularly, adjusting when circumstances change. Our Investment Committee provides ongoing guidance informed by macroeconomic factors and market conditions, while your advisor makes recommendations tailored to your specific situation.

The true test of any philosophy often comes during periods of market stress, when portfolios may appear to fall short. In these moments, thoughtful planning allows us to hold on to long-term assets that may be temporarily out of favor, helping preserve the integrity of your portfolio. With decisions grounded in a well-designed plan, you are better equipped to navigate market volatility with clarity and confidence.

Discipline and Behavior Management

Discipline and behavior are critical to successful investing. The natural emotions of fear and greed can cloud judgment, especially when faced with the constant stream of conflicting opinions presented in the media around the clock. For individual investors, it can be difficult to know what truly deserves attention. A disciplined investment philosophy provides clarity - helping you cut through the noise, avoid impulsive decisions, and remain focused on what matters most and what is within your control.

Successful investing is less about predicting short-term market movements and more about making consistent, disciplined choices over time. This long-term perspective allows you to tune out distractions, stay grounded in your plan, and steadily build lasting wealth.

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The overlap between what matters and what you can control is where real progress happens. These are the choices you make every day—how much you save, how you allocate and diversify your portfolio, how you respond to volatility, and how faithfully you stick to your plan. Focusing on these controllable factors is what ultimately drives outcomes and puts you in the best position to achieve your long-term goals.

Socially Responsible Investing

Socially responsible investing (“SRI”) is more than avoiding “sin” stocks. It’s about making investments that positively impact our environment, social responsibility, and corporate structures, while also focusing on client risk and return objectives. Also known as environmental, social, and governance (“ESG”) investing, this approach considers the sustainability and societal impact of each investment. OnePoint BFG believes that money can be utilized as a tool, and at our clients’ direction, can be put towards the specific purpose(s) that could improve the future of client designated communities.

As socially responsible investing gains ground, more investment managers are offering ESG-focused investments. For example, clients can achieve their ESG objectives through OnePoint’s use of a Unified Managed Account (“UMA”). The UMA platform can screen out specific stocks or entire sectors based on a checklist of ESG-related factors. This checklist allows the client to establish their own personal ESG policies for their respective account(s). Alternatively, clients can achieve a variety of proactive ESG objectives through the use of custodian-designated “socially responsible” mutual funds. OnePoint’s Investment Committee monitors the investment performance of such “socially responsible” mutual funds (and all other non-ESG funds within its domain) on a quarterly basis while the ESG criteria within these mutual funds are monitored by the applicable custodian.

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Environmental Social Governance (ESG) investing has certain risks based on the fact that the criteria excludes securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller. See additional disclosures located at the end of this document.

Diversification Through Strategic Asset Allocation

1

Equity Market Cap Distribution (Large, Mid, & Small Cap)

OnePoint BFG client portfolios are generally diversified among large, mid & small-cap stocks. OnePoint client portfolio allocation to small-cap (smaller companies with greater opportunities to grow and expand) and mid-cap (which usually have an established business model and may experience rapid growth as they expand market share) is similar to the broad market weighting (i.e., Vanguard Total Stock Market Index Fund, VTSAX).

Generally, small-cap represents companies with a market value between $250 million and $2 billion and mid-cap companies with a market value between $2 billion and $10 billion. Historically, smaller company stocks have experienced a greater degree of market volatility than the overall market average. See additional disclosures located at the end of this document. Source: Asset Allocation Models Using the Markowitz Approach, by Ibbotson & Associates (2003)

2

Equity Price to Book Allocation (Growth & Value)

In any given calendar year, the performance between growth and value strategies can be dramatically different. Since it is impossible to predict which will outperform every year, a prudent course of action is to own both. Owning investments based on both growth & value strategies helps enhance diversification and reduces risk.

Source: A Comprehensive Set of Growth and Value Data, by Ibbotson & Associates (11.2003)
Source: Strategic and Tactics in Style Investing, by Bernstein (12.2001)

3

Fixed Income Portfolios

The bond portfolio is the core of OnePoint BFG’s standard asset allocation model. If a client takes significant credit risk and has significant exposure to high-yield bonds, then the client’s bond portfolio can become more closely correlated to its equity portfolio exposure. Therefore, OnePoint BFG’s standard firm model portfolios initially invest at least half of the fixed income allocation in investment grade bonds, while the remainder may be more opportunistic. We typically use multi-sector, non-traditional, and world bond strategies to populate the opportunistic half of a client’s bond portfolio, where applicable¹.

Source: Beginners Guide to Asset Allocation, Diversification, and Rebalancing, Investor.Gov (2023)

4

Alternatives

Alternative investments can strengthen portfolio resilience by providing returns that are less correlated to traditional stock and bond markets. At OnePoint BFG, we view alternatives not as standalone solutions, but as strategic complements designed to broaden diversification, absorb market shocks, and enhance long-term return potential. Our platform provides access to opportunities across private equity, private credit, infrastructure, real estate, hedge funds, and structured notes through partnerships with CAIS and Crystal Capital Partners. Allocations are tailored to each client’s objectives, risk tolerance, and liquidity needs, reflecting our commitment to disciplined risk management and thoughtful portfolio construction. However, because of their complexity, illiquidity, and higher risk profile, alternative investments may not be suitable for all investors.

Liquidity Management

Your advisor helps manage investment risk by carefully planning for future cash flow needs. This begins with aligning assets - using lower-risk investments to meet near-term liquidity requirements, while positioning growth-oriented assets to support long-term objectives. The right blend of short-term stability and long-term growth must be tailored to each client’s unique situation, which is why a comprehensive financial plan is essential.

To bring this planning to life, we use tools such as eMoney and LifeYield, our primary retirement analysis software. For example, a retirement projection may chart anticipated portfolio withdrawals over the first five years of retirement, providing a clear picture of how resources can be managed to support both current needs and future goals.

5-Year Cash Flow

Prepared for Client of OnePoint BFG
The 5-Year Cash Flow report illustrates your income, savings, expenses, and resulting net cash flow on an annual basis.
Year/Age
2020 (69/67)
2021 (70/68)
2022 (71/69)
2023 (72/70)
2024 (73/71)
Cash Inflows
Semi-Retirement Salary
75,000
77,250
0
0
0
Pension Income
0
0
82,500
86,361
90,403
Social Security
0
32,500
32,988
50,223
50,977
Total Cash Inflows
75,000
109,750
115,488
136,585
141,380
Cash Outflows
Living Expenses
144,000
148,320
152,770
157,353
162,073
Taxes
38,800
44,297
45,952
49,681
51,265
Total Cash Outflows
182,800
192,617
198,721
207,034
213,338
Net Cash Flow Needed from Portfolio
(107,800)
(82,867)
(83,234)
(70,449)
(71,958)
Note: Over the next 5 years it is projected that $416,308 will need to be withdrawn from the portfolio.

Short-Term Portfolio:

This will consist of money market funds, short-term bond funds, or bonds whose maturities correspond with the expected liquidity need outlined in your plan.

Long-Term Portfolio:

This will consist of a stock portfolio diversified by size, style, and regional exposure along with a fixed income portfolio diversified by maturity and credit quality.

As life progresses, your short-term “bucket” will need to be replenished. While you and your advisor cannot control the direction of the markets, you can control how you respond. In years when markets perform well, assets from the long-term portion of your portfolio can be repositioned into the short-term bucket to meet upcoming needs. If markets are temporarily down, however, patience may be required - allowing time for your portfolio to recover before drawing from longer-term investments.

Investment Strategy Selection Process

We construct portfolios using Separately Managed Accounts that include ETFs, Mutual Funds, and Alternatives. When we choose any type of strategy for our portfolios, the selection is generally based on the following criteria:
1

A Strategy’s Relationship to the Overall Portfolio

We begin by casting a wide net of potential investment candidates, considering historical performance as one factor. From there, we build portfolios with strategies that show little overlap and low correlation with one another. The goal is to create a diversified mix of investments that reduces overall portfolio volatility
2

Style Consistency

Style drift can undermine a carefully designed asset allocation. We look for strategies with a consistent, repeatable investment process. For example, if a large-cap value manager begins making decisions based on growth factors, the portfolio may no longer behave as intended.
3

Track Record

While past performance is not a guarantee of future results, it does provide insight into a strategy’s discipline. If a strategy consistently underperforms even during periods when its style should be in favor, that may indicate a lack of process consistency. In those cases, we may seek a more disciplined alternative.
4

Performance Consistency

We avoid strategies that rely on one or two exceptional years. Instead, we look for approaches that demonstrate consistent results relative to peers across multiple rolling time periods. Because every style may cycle in and out of favor, measuring performance against the appropriate peer group is essential.
5

Management Tenure

When investing, you are ultimately placing trust in the skill of the management team. While the process described in a prospectus is important, execution matters most. We typically prefer strategies managed by experienced teams with a long history together. Team-managed approaches also provide continuity when individual members retire or transition.
6

Expense Ratio

Costs directly impact returns, making expense ratios an important consideration. Even a skilled manager may struggle to outperform their benchmark if fees are too high. We place particular emphasis on lower expenses in more efficient markets—such as large-cap equities and investment-grade bonds—where cost savings are especially meaningful.

Nothing in this material should be construed as investment advice offered by OnePoint BFG Wealth Partners. This market commentary is for informational purposes only and is not meant to constitute a recommendation of any particular investment, security, portfolio of securities, transaction or investment strategy. No chart, graph, or other figure provided should be used to determine which securities to buy, sell, or hold. No representation is made concerning the appropriateness of any particular investment, security, portfolio of securities, transaction or investment strategy. You should speak with your own financial professional before making any investment decisions.

Past performance is not indicative of future results. These disclosures cannot and do not list every conceivable factor that may affect the results of any investment or investment strategy. Risks will arise, and an investor must be willing and able to accept those risks, including the loss of principal.

The third-party information contained herein is provided for informational and discussion purposes only. OnePoint BFG Wealth Partners does not represent this third-party information as its own. While OnePoint BFG has gathered this information from sources deemed to be reliable, OnePoint BFG Wealth Partners has not reviewed or verified any information input by your financial professional or that of the third-party source, nor can OnePoint BFG Wealth Partners guarantee the completeness or accuracy of this data.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Asset allocation does not ensure a profit or protect against a loss. No strategy assures success or protects against loss. The prices of small and mid-cap stocks are generally more volatile than large cap stocks. Bonds are subject to market and interest rate risk if sold prior to maturity.

Bond values will decline as interest rates rise and bonds are subject to availability and change in price. High yield/junk bonds (grade BB or below) are not investment grade securities, and are subject to higher interest rate, credit, and liquidity risks than those graded BBB and above. They generally should be part of a diversified portfolio for sophisticated investors.

Funds, including exchange-traded funds (ETFs), money market funds, and open-end mutual funds, have many similarities, but also many important differences. Such investments have the ability to offer diversification and professional management, but also involve risk, including the loss of principal. Stocks (equities) trade on exchanges throughout the day and are primarily subject to market risk and market fluctuations, sector or industry risks, and market capitalization risks. Historically, smallercompany stocks have experienced a greater degree of market volatility than the overall market average. Bonds (debt, fixed income) are offered through an underwriter (new issue) and traded throughout the day on the secondary market and are primarily subject interest rate and issuer risks. High yield bonds, also known as “junk bonds”, generally have a greater risk of default, which increases the risk that an issuer may be unable to pay interest and principal on the issue.

OnePoint BFG Wealth Partners does not provide insurance, legal, tax, or accounting advice or services. However, Bleakley is affiliated through common ownership with an insurance agency and has entered into an agreement with an unaffiliated entity that provides tax, accounting and consulting services to some of OnePoint BFG Wealth Partners’s clients. Additionally, certain of OnePoint’s Advisors are licensed to sell insurance, provide accounting or tax advice or services, or legal advice, in their individual capacities, and any such services or products offered in an individual capacity is not provided by or through OnePoint. Insurance products and services are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency, and may go down in value. Not all insurance products and services are available in all states. Investors are under no obligation to use the services of any strategic partner and may choose any qualified professional to provide insurance, legal, tax, or accounting advice or services. For more detailed information, review Bleakley’s Form ADV Part 2A Brochure.

Investment advisory and financial planning services offered through Bleakley Financial Group, LLC, an SEC registered investment adviser, doing business as OnePoint BFG Wealth Partners.
OP 25-0108 09.2025