Founded in 2009, Three Bridge Wealth Advisors is a Portola Valley, California based registered
Investment Adviser, registered with the Securities and Exchange Commission (“SEC”) and
located at 3270 Alpine Road, Portola Valley, Ca 94028. The principal owners of the firm are
Eric T. Thurber at 65%, and Brett Sharkey at 35% ownership.
Types of Advisory Services Offered
Wealth Management
We emphasize continuous and regular account supervision. As part of our wealth management
service, we conduct at least one, but sometimes more than one meeting (in person, if possible,
otherwise via telephone conference) with clients in order to understand their current financial
situation, existing resources, financial goals, and tolerance for risk. Based on what we learn, we
propose an investment approach to the client. We may propose an investment portfolio,
consisting of exchange traded funds, mutual funds, individual stocks or bonds, or other
securities. Upon the client’s agreement to the proposed investment plan, we work with the client
to establish or transfer investment accounts so that we can manage the client’s portfolio. Once
the relevant accounts are under our management, we review such accounts on a regular basis and
at least quarterly. We may periodically rebalance or adjust client accounts under our
management. If the client experiences any significant changes to his/her financial or personal
circumstances, the client must notify us so that we can consider such information in managing
the client’s investments. Financial planning services may be provided at no additional cost to our
Wealth Management clients. We may utilize Independent Money Managers, where we may
design an investment portfolio and provide ongoing corresponding wealth management services
on a fee-only basis for a percentage of assets in conjunction with another investment advisory
firm. Before selecting other advisers, we make sure that the other advisers are properly licensed
or registered.
Selection of Third-Party Investment Managers
Three Bridge Wealth Advisors work with Independent Money Managers to help meet the goals
of our clients. The Independent Money Managers may charge a fee separately in addition to the
fee Three Bridge Wealth Advisors charge. Both our firm and the Independent Money Manager
will separately deduct their/our respective advisory fees due from the client. Please refer to the
contracts of the Independent Money Manager for more details. The client may make additions to
and withdrawals from his/her account at any time, subject to our right to terminate an account.
Clients may withdraw account assets on notice to us, subject to the usual and customary
securities settlement procedures. In certain circumstances, you may not be able to withdraw
funds invested in illiquid investments prior to the investment’s dissolution and liquidation. We
design a client’s portfolio as long-term investments and assets withdrawals may impair the
achievement of a client’s investment objectives. Additions may be in cash or securities provided
that we reserve the right to liquidate any transferred securities or decline to accept particular
securities into a client’s account. We may consult with our clients about the options and
ramifications of transferring securities. Clients are advised that when transferred securities are
liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e.
contingent deferred sales charge) and/or tax ramifications. In the case of valuing non-liquid asset
classes, our firm relies on valuations provided in statements received directly from third party
managers. The financial statements associated with certain illiquid securities are audited no less
than annually, and valuation adjustments resulting from the audits are reflected in subsequent fee
invoices. In connection with assets invested in private real estate funds, it may be the practice of
the funds to hold assets at their original cost until the point where there is an action causing them
to adjust this basis, such as an asset sale.
Financial Planning and Consulting Services
We provide a variety of financial planning and consulting services to individuals, families and
other clients regarding the management of their financial resources based upon an analysis of
client’s current situation, goals, and objectives. Generally, such financial planning services will
involve preparing a financial plan or rendering a financial consultation for clients based on the
client’s financial goals and objectives. We will conduct one or more meetings (in person if
possible, otherwise via telephone conference) with the client in order to understand the client’s
current financial situation, financial goals, specific issues or questions, and topics to be covered
by the financial plan. We may also request copies of relevant financial documents, such as
account statements, income tax returns, insurance policies, retirement plans, estate planning
documents, and business financial statements. Our plans and consultations may encompass one
or more of the following areas:
Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education
Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure,
Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation,
Business and Personal Financial Planning. Our written financial plans or financial consultations
rendered to clients usually include general recommendations for a course of activity or specific
actions to be taken by the clients. For example, recommendations may be made that the clients
begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance
coverage, commence or alter retirement savings, or establish education or charitable giving
programs. It should also be noted that we refer clients to an accountant, attorney or other
specialist, as necessary for non-advisory related services. For written financial planning
engagements, we provide our clients with a written summary of their financial situation,
observations, and recommendations. For financial consulting engagements, we usually do not
provide our clients with a written summary of our observations and recommendations as the
process is less formal than our planning service. Plans or consultations are typically completed
within six (6) months of the client signing a contract with us, assuming that all the information
and documents we request from the client are provided to us promptly. Implementation of the
recommendations will be at the discretion of the client. Clients should be aware that we prepare
financial plans based on the information provided by the client and as of the date that the plan is
submitted to the client. We undertake no responsibility to update the financial plan unless we and
the client agree upon a subsequent financial planning engagement.
Prior to engaging Three Bridge Wealth Advisors to provide investment advisory services, the
client will be required to enter into one or more written agreements with Three Bridge Wealth
Advisors setting forth the terms and conditions under which Three Bridge Wealth Advisors shall
render its services (collectively the "Agreement").
In accordance with Rule 204-3 under the Investment Advisers Act of 1940, as amended
("Advisers Act"), Three Bridge Wealth Advisors will provide a brochure and one or more
brochure supplements to each client or prospective client prior to or contemporaneously with the
execution of an investment advisory agreement.
The Agreement between Three Bridge Wealth Advisors and the client will continue in effect
until terminated by either party pursuant to the terms of the Agreement. Three Bridge Wealth
Advisors’ annual fee shall be prorated through the date of termination as defined in the
Agreement and any remaining balance shall be charged or refunded to the client, as appropriate,
in a timely manner.
Neither Three Bridge Wealth Advisors nor the client can assign the Agreement without the
consent of the other party. Transactions that do not result in a change of actual control or
management of Three Bridge Wealth Advisors shall not be considered an assignment.
Three Bridge Wealth Advisors does not offer Wrap Fee Program accounts.
As of December 31, 2023, the following represents the amount of client assets under
management by Three Bridge Wealth Advisors on a discretionary and non-discretionary basis:
Type of Account Assets Under Management
("AUM")
Discretionary $ 756,423,205
Non-Discretionary $0
Total: $ 756,423,205