Brochure Form ADV Part 2A
Item 1 – Cover Page

Bohmer Kilcoyne Wealth Management, LLC
CRD# 168419


9360 Montgomery Road
Cincinnati, Ohio 45242


(513) 942-9700

www.BKWealth.com

October 17, 2018


This Brochure provides information about the qualifications and business practices of Bohmer Kilcoyne Wealth Management, LLC. If you have any questions about the contents of this brochure, please contact us at (513) 942-9700 or j.kilcoyne@hbkwealthmanagement.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state authority.

Bohmer Kilcoyne Wealth Management, LLC is an investment advisory firm registered with the appropriate regulatory authority. Registration does not imply a certain level of skill or training. Additional information about Bohmer Kilcoyne Wealth Management, LLC also is available on the SEC’s website at www.AdviserInfo.sec.gov.

Item 2 – Material Changes

Bohmer Kilcoyne Wealth Management, LLC filed an annual update of this Brochure on March 28, 2018. The following is a summary of material changes made as part of that annual update:

Bohmer Kilcoyne Wealth Management, LLC began recommending that clients utilize the custodian/broker-dealer Charles Schwab & Co., Inc. (“Schwab”) in addition to LPL Financial LLC. Therefore, the following revisions were made to this Brochure to reflect this change:

Item 5 – Fees and Compensation:

Item 5 was revised to include references to Schwab relating to the payment of transaction and execution costs.

Item 12 – Brokerage Practices:

Item 12 was revised to provide that Bohmer Kilcoyne Wealth Management, LLC also may recommend that clients utilize Schwab to establish brokerage accounts to maintain custody of clients’ assets. In addition, a new section was added to Item 12 titled Benefits Received from Schwab. This new section provides information regarding the services that Schwab makes available to independent advisors such as Bohmer Kilcoyne Wealth Management, LLC. Furthermore, this new section provides information about additional products and services that Schwab makes available to Bohmer Kilcoyne Wealth Management, LLC, such as educational events, entertainment events, software and other technology to assist in trade execution, research, pricing information and market data. Also, this new section provides information regarding a Client Benefit Agreement entered into by Bohmer Kilcoyne Wealth Management and Schwab in January, 2018.

Item 14 – Client Referrals and Other Compensation:

Item 14 was revised to include references to Schwab relating to services and benefits received from Schwab, as well as the fact that Bohmer Kilcoyne Wealth Management, LLC does not pay Schwab to refer clients to Bohmer Kilcoyne Wealth Management, LLC.

Item 15 – Custody:

Item 15 was revised to include Schwab as a custodian utilized by the clients of Bohmer Kilcoyne Wealth Management, LLC.

In addition, the following revisions were made to this Brochure unrelated to Schwab:

Item 8 – Methods of Analysis, Investment Strategies and Risks of Loss:

Item 8 was revised to include information regarding Cybersecurity Risk. The information details the risks and negative implications that may be applicable to a client if Bohmer Kilcoyne Wealth Management, a service provider to Bohmer Kilcoyne Wealth Management or a regulatory entity experiences a cybersecurity event.

Since that March 28, 2018 annual update the following changes have been made to this Brochure:

Effective September 5, 2018 the firm changed its name from HBK Wealth Management to Bohmer Kilcoyne Wealth Management, LLC. The Items of this Brochure have been revised to reflect the name change.

 
Item 3 – Table of Contents 
Page
Item 1 – Cover Page
 
1
Item 2 – Material Changes
 
2
Item 3 – Table of Contents
 
3
Item 4 – Advisory Business
 
4
Item 5 – Fees and Compensation
 
5
Item 6 – Performance-Based Fees and Side-By-Side Management
 
7
Item 7 – Types of Clients
 
7
Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss
 
7
Item 9 – Disciplinary Information
 
11
Item 10 – Other Financial Industry Activities and Affiliations
 
11
Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading
 
11
Item 12 – Brokerage Practices
 
12
Item 13 – Review of Accounts
 
15
Item 14 – Client Referrals and Other Compensation
 
16
Item 15 – Custody
 
16
Item 16 – Investment Discretion
 
16
Item 17 – Voting Client Securities
 
16
Item 18 – Financial Information
 
17


Brochure Supplement(s)
 
Exhibit A
Wrap Fee Program Brochure – Form ADV Part 2A Appendix 1
 
Exhibit B


Item 4 – Advisory Business

General Information
Bohmer Kilcoyne Wealth Management, LLC was registered with the Securities and Exchange Commission in 2013, and provides financial planning and portfolio management services to its clients. Such services may be offered through the “Bohmer Kilcoyne Wealth Management Wrap Program”, or “Program”, which has been designed to simplify the payment of management fees and brokerage expenses.

Michael S. Bohmer and John M. Kilcoyne are the two owners of Bohmer Kilcoyne Wealth Management. Please see Brochure Supplement(s), Exhibit A, for more information on Mr. Bohmer, Mr. Kilcoyne and other individuals who formulate investment advice and have direct contact with clients, or have discretionary authority over client accounts.

As of March 15, 2018, Bohmer Kilcoyne Wealth Management managed $380,821,531 on a discretionary basis and no assets on a non-discretionary basis.

SERVICES PROVIDED

At the outset of each client relationship, Bohmer Kilcoyne Wealth Management spends time with the client, asking questions, discussing the client’s investment experience and financial circumstances, and reviewing options for the client. Based on its reviews, Bohmer Kilcoyne Wealth Management generally develops with each client:

a financial outline for the client based on the client’s financial circumstances and goals, and the client’s risk tolerance level (the “Financial Profile” or “Profile”); and the client’s investment objectives and guidelines (the “Investment Plan” or “Plan”).
The Financial Profile is a reflection of the client’s current financial picture and a look to the future goals of the client. The Investment Plan outlines the types of investments Bohmer Kilcoyne Wealth Management will make on behalf of the client to meet those goals. The Profile and the Plan are discussed regularly with each client, but are not necessarily written documents.

Financial Planning
Bohmer Kilcoyne Wealth Management offers limited financial planning services to those clients in need of such service in conjunction with Portfolio Management services. Bohmer Kilcoyne Wealth Management’s limited financial planning services normally address areas such as general cash flow planning, retirement planning, and insurance analysis. The goal of this service is to assess the financial circumstances of the client to more effectively develop the client’s Investment Plan. Financial Planning is not offered as a stand-alone service or for a separate fee, but is typically provided in conjunction with the management of the portfolio.

Once financial planning advice is given, the client may choose to have Bohmer Kilcoyne Wealth Management implement the client’s financial plan and manage the investment portfolio on an ongoing basis. However, the client is under no obligation to act upon any of the recommendations made by Bohmer Kilcoyne Wealth Management under a financial planning engagement and/or to engage the services of any recommended professional.

Portfolio Management
As described above, at the beginning of a client relationship, Bohmer Kilcoyne Wealth Management meets with the client, gathers information, and performs research and analysis as necessary to develop the client’s Investment Plan. The Investment Plan will be updated from time to time when requested by the client, or when determined to be necessary or advisable by Bohmer Kilcoyne Wealth Management based on updates to the client’s financial or other circumstances.

To implement the client’s Investment Plan, Bohmer Kilcoyne Wealth Management will manage the client’s investment portfolio on a discretionary basis. As a discretionary investment adviser, Bohmer Kilcoyne Wealth Management will have the authority to supervise and direct the portfolio without prior consultation with the client.

Notwithstanding the foregoing, clients may impose certain written restrictions on Bohmer Kilcoyne Wealth Management in the management of their investment portfolios, such as prohibiting the inclusion of certain types of investments in an investment portfolio or prohibiting the sale of certain investments held in the account at the commencement of the relationship. Each client should note, however, that restrictions imposed by a client may adversely affect the composition and performance of the client’s investment portfolio. Each client should also note that his or her investment portfolio is treated individually by giving consideration to each purchase or sale for the client’s account. For these and other reasons, performance of client investment portfolios within the same investment objectives, goals and/or risk tolerance may differ and clients should not expect that the composition or performance of their investment portfolios would necessarily be consistent with similar clients of Bohmer Kilcoyne Wealth Management.

Wrap Programs
As described further below in Item 5, Fees and Compensation and in Appendix 1, Wrap Fee Program Brochure, Bohmer Kilcoyne Wealth Management offers Portfolio Management services through a Wrap Fee Program, under which Bohmer Kilcoyne Wealth Management fees and brokerage execution expenses are combined into one inclusive fee.

Item 5 – Fees and Compensation

General Fee Information
Clients participate in the Bohmer Kilcoyne Wealth Management Wrap Program (the “Program”). The Program fee structure includes the brokerage execution expenses (i.e., commissions, ticket charges.) of the account as well as the management fee paid to Bohmer Kilcoyne Wealth Management. Under this inclusive billing alternative, Bohmer Kilcoyne Wealth Management will assess one client fee that captures the Portfolio Management and brokerage execution portions collectively. In as much as Bohmer Kilcoyne Wealth Management pays to LPL Financial LLC or Charles Schwab & Co., Inc. (qualified custodians – broker/dealers) the transaction and execution costs associated with client accounts, this can create a disincentive for Bohmer Kilcoyne Wealth Management to trade securities in accounts.

Fees paid to Bohmer Kilcoyne Wealth Management are exclusive of and distinct from the fees and expenses charged by mutual funds, ETFs (exchange traded funds) or other investment pools to their shareholders (generally including a management fee and fund expenses, as described in each fund’s prospectus or offering materials). Clients will pay certain fees in addition to the fees of the Program, such as margin interest, check fees, trade-away fees, odd lot differentials and other similar types of fees. Program fees which Bohmer Kilcoyne Wealth Management does not pay to third parties in connection with transaction and execution expenses are retained by Bohmer Kilcoyne Wealth Management. Because of this, Bohmer Kilcoyne Wealth Management may have a disincentive to trade securities in the accounts of clients in the Program.

Program Fees
The annual Program fees are based on the market value of the assets under management in each account and are calculated as follows:


Assets Under Management
Annual Rate $0 – $99,999
1.40% $100,000 – $249,999 
1.30%
                                                      
$250,000- $499,999  
1.20%
  
$500,000 – $999,999
1.10%
                        
$1,000,000 – $2,499,999 
1.00%
 
$Over $2,500,000
0.90%
   

There is no minimum annual fee for any account. Bohmer Kilcoyne Wealth Management may, at its discretion, make exceptions to the foregoing or negotiate special fee arrangements where Bohmer Kilcoyne Wealth Management deems it appropriate under the circumstances.

Program fees are generally payable quarterly, in advance. If management begins after the start of a quarter, fees will be prorated accordingly. With client authorization, unless other arrangements are made fees are normally debited directly from client account(s).

Either Bohmer Kilcoyne Wealth Management or the client may terminate their Investment Advisory Agreement at any time, subject to any written notice requirements in the agreement. In the event of termination, any paid but unearned fees will be promptly refunded to the client based on the number of days that the account was managed, and any fees due to Bohmer Kilcoyne Wealth Management from the client will be invoiced or deducted from the client’s account prior to termination.

Other Compensation
Certain of Bohmer Kilcoyne Wealth Management’s employees are also Registered Representatives of LPL Financial LLC, a FINRA and SIPC member, and registered broker/dealer. As such, they are entitled to receive commissions or other remuneration on the sale of insurance as well as other products. To protect client interests, Bohmer Kilcoyne Wealth Management’s policy is to disclose all forms of compensation before any such transaction is executed. Clients will not pay both a commission to these individuals and also pay an advisory fee to Bohmer Kilcoyne Wealth Management on the same pool of assets. These fees are exclusive of each other. Those employees of Bohmer Kilcoyne Wealth Management who are also Registered Representatives of LPL Financial do not receive commissions or otherwise act as Registered Representatives in regards to client assets for which Bohmer Kilcoyne Wealth Management provides Portfolio Management services. Services as Registered Representatives of LPL Financial are provided only to those clients, or non-clients, who have specifically entered into a brokerage agreement with LPL Financial.

As a result of this relationship, LPL Financial LLC may have access to certain confidential information (e.g., financial information, investment objectives, transactions, and holdings) about Bohmer Kilcoyne Wealth Management clients, even if the client does not establish any account through LPL Financial LLC. If you would like a copy of LPL Financial LLC’s privacy notice, please contact John Kilcoyne.

Item 6 – Performance-Based Fees and Side-By-Side Management
Bohmer Kilcoyne Wealth Management does not have any performance-based fee arrangements. “Side by Side Management” refers to a situation in which the same firm manages accounts that are billed based on a percentage of assets under management and at the same time the firm manages other accounts for which fees are assessed on a performance fee basis. Because Bohmer Kilcoyne Wealth Management has no performance-based fee accounts, it has no side-by-side management.

Item 7 – Types of Clients
Bohmer Kilcoyne Wealth Management serves individuals, high net worth individuals, pension and profit-sharing plans, corporations, trust, estates and charitable organizations. Bohmer Kilcoyne Wealth Management does not generally impose a minimum portfolio value for conventional investment advisory services or a minimum fee.

Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss
Methods of Analysis
In accordance with the Investment Plan, Bohmer Kilcoyne Wealth Management will primarily invest in mutual funds, ETFs, common stock and individual bonds as appropriate.

In making selections of individual stocks for client portfolios, Bohmer Kilcoyne Wealth Management may use any of the following types of analysis:

Fundamental Analysis
– involves review of the business and financial information about an issuer. Without limitation, the following factors generally will be considered:

o Financial strength ratios;
o Price-to-earnings ratios;
o Dividend yields; and
o Growth rate-to-price earnings ratios

Bohmer Kilcoyne Wealth Management will incorporate other methods of analysis, such as:

Charting Analysis – involves gathering and processing price and volume information for a particular security. Bohmer Kilcoyne Wealth Management’s charting analysis includes, without limitation graphing charts; and estimations of future price movements based on perceived patterns and trends.

Technical Analysis – involves studying past price patterns and trends in the financial markets to predict the direction of both the overall market and specific stocks.

Cyclical Analysis – is a type of technical analysis that involves evaluating recurring price patterns and trends.

Mutual funds and ETFs are generally evaluated and selected based on a variety of factors, including, as applicable and without limitation, past performance, fee structure, portfolio manager, fund sponsor, overall ratings for safety and returns, and other factors.

Fixed income investments may be used as a strategic investment, as an instrument to fulfill liquidity or income needs in a portfolio, or to add a component of capital preservation. Bohmer Kilcoyne Wealth Management will generally evaluate and select individual bonds or bond funds based on a number of factors including, without limitation, rating, yield and duration.

Investment Strategies
Bohmer Kilcoyne Wealth Management’s strategic approach is to invest each portfolio in accordance with the Investment Plan that has been developed specifically for each client. This means that the following strategies may be used in varying combinations over time for a given client, depending upon the client’s individual circumstances.

Long Term Purchases – securities purchased with the expectation that the value of those securities will grow over a relatively long period of time, generally greater than one year.

Margin Transactions – a securities transaction in which an investor borrows money to purchase a security, in which case the security serves as collateral on the loan.

Options Trading/Writing: a securities transaction that involves buying or selling (writing) an option. If you write an option, and the buyer exercises the option, you are obligated to purchase or deliver a specified number of shares at a specified price at the exercise of the option regardless of the market value of the security at expiration of the option. Buying an option gives you the right to purchase or sell a specified number of shares at a specified price until the date of expiration of the option regardless of the market value of the security at expiration of the option.

Risk of Loss
While Bohmer Kilcoyne Wealth Management seeks to diversify clients’ investment portfolios across various asset classes consistent with their Investment Plans in an effort to reduce risk of loss, all investment portfolios are subject to risks. Accordingly, there can be no assurance that client investment portfolios will be able to fully meet their investment objectives and goals, or that investments will not lose money. Investing in securities involves a significant risk of loss, which clients should be prepared to bear.

Below is a description of several of the principal risks that client investment portfolios face.

Management Risks. While Bohmer Kilcoyne Wealth Management manages client investment portfolios based on Bohmer Kilcoyne Wealth Management’s experience, research and proprietary methods, the value of client investment portfolios will change daily based on the performance of the underlying securities in which they are invested. Accordingly, client investment portfolios are subject to the risk that Bohmer Kilcoyne Wealth Management allocates client assets to individual securities and/or asset classes that are adversely affected by unanticipated market movements, and the risk that Bohmer Kilcoyne Wealth Management’s specific investment choices could underperform their relevant indexes.

Risks of Investments in Mutual Funds, ETFs and Other Investment Pools. As described above, Bohmer Kilcoyne Wealth Management may invest client portfolios in mutual funds, ETFs and other investment pools (“pooled investment funds”). Investments in pooled investment funds are generally less risky than investing in individual securities because of their diversified portfolios; however, these investments are still subject to risks associated with the markets in which they invest. In addition, pooled investment funds’ success will be related to the skills of their particular managers and their performance in managing their funds. Pooled investment funds are also subject to risks due to regulatory restrictions applicable to registered investment companies under the Investment Company Act of 1940.

Risks Related to Alternative Investment Vehicles. From time to time and as appropriate, Bohmer Kilcoyne Wealth Management may invest a portion of a client’s portfolio in alternative investment vehicles. The value of client portfolios will be based in part on the value of alternative investment vehicles in which they are invested, the success of each of which will depend heavily upon the efforts of their respective managers. When the investment objectives and strategies of a manager are out of favor in the market or a manager makes unsuccessful investment decisions, the alternative investment vehicles managed by the manager may lose money. A client account may lose a substantial percentage of its value if the investment objectives and strategies of many or most of the alternative investment vehicles in which it is invested are out of favor at the same time, or many or most of the managers make unsuccessful investment decisions at the same time.

Equity Market Risks. Bohmer Kilcoyne Wealth Management will generally invest portions of client assets directly into equity investments, primarily stocks, or into pooled investment funds that invest in the stock market. As noted above, while pooled investments have diversified portfolios that may make them less risky than investments in individual securities, funds that invest in stocks and other equity securities are nevertheless subject to the risks of the stock market. These risks include, without limitation, the risks that stock values will decline due to daily fluctuations in the markets, and that stock values will decline over longer periods (e.g., bear markets) due to general market declines in the stock prices for all companies, regardless of any individual security’s prospects.

Fixed Income Risks. Bohmer Kilcoyne Wealth Management may invest portions of client assets directly into fixed income instruments, such as bonds and notes, or may invest in pooled investment funds that invest in bonds and notes. While investing in fixed income instruments, either directly or through pooled investment funds, is generally less volatile than investing in stock (equity) markets, fixed income investments nevertheless are subject to risks. These risks include, without limitation, interest rate risks (risks that changes in interest rates will devalue the investments), credit risks (risks of default by borrowers), or maturity risk (risks that bonds or notes will change value from the time of issuance to maturity).

Foreign Securities Risks. Bohmer Kilcoyne Wealth Management may invest portions of client assets into pooled investment funds that invest internationally. While foreign investments are important to the diversification of client investment portfolios, they carry risks that may be different from U.S. investments. For example, foreign investments may not be subject to uniform audit, financial reporting or disclosure standards, practices or requirements comparable to those found in the U.S. Foreign investments are also subject to foreign withholding taxes and the risk of adverse changes in investment or exchange control regulations. Finally, foreign investments may involve currency risk, which is the risk that the value of the foreign security will decrease due to changes in the relative value of the U.S. dollar and the security’s underlying foreign currency.

Margin Risk. Bohmer Kilcoyne Wealth Management does not use margin as an investment strategy. However, clients may elect to borrow funds against their investment portfolio. When securities are purchased, they may be paid for in full or the client may borrow part of the purchase price from the account custodian. If a client borrows part of the purchase price, the client is engaging in margin transactions and there is risk involved with this. The securities held in a margin account are collateral for the custodian that loaned the client money. If those securities decline in value, then the value of the collateral supporting the client’s loan also declines. As a result, the brokerage firm is required to take action in order to maintain the necessary level of equity in the client’s account. The brokerage firm may issue a margin call and/or sell other assets in the client’s account to accomplish this. It is important that clients fully understand the risks involved in trading securities on margin, including but not limited to:

• It is possible to lose more funds than is deposited into a margin account;
• The account custodian can force the sale of assets in the account;
• The account custodian can sell assets in the account without contacting the client first;
• The account holder is not entitled to choose which assets in a margin account may be sold to meet a margin call;
• The account custodian can increase its “house” maintenance margin requirements at any time without advance written notice; and
• The accountholder is not entitled to an extension of time on a margin call.

Derivatives Risk: Bohmer Kilcoyne Wealth Management may, for certain clients that qualify as “accredited investors” and for whom it is appropriate, invest portions of the client assets in private placement funds that invest in derivative financial instruments (“derivatives”) including, without limitation, futures, options, interest rate swaps, forward currency contracts and credit derivatives such as credit default swaps. A small investment in derivatives could have a potentially large impact on an investor’s performance. The use of derivatives involves risks different from, or possibly greater than, the risks associated with investing directly in the underlying assets. These risks include: (1) counterparty risk; (2) interest rate risk; (3) basis risk; (4) settlement risk; (5) legal risk; (6) operational risk; and (7) market risk. Counterparty risk is the risk that one of the Fund’s counterparties might default on its obligation to pay or perform generally on its obligations. Interest rate risk is the general risk associated with movements in interest rates. Basis risk is the risk associated with the relative movements in two (related) rates or prices. Settlement risk is the risk that a settlement in a transfer system does not take place as expected. Legal risk is the risk that a transaction proves unenforceable in law or because it has been inadequately documented. Operational risk is the risk of unexpected losses arising from deficiencies in a firm’s management information, support and control systems and procedures. Market risk is the risk of potential adverse changes in the value of financial instruments resulting from changes in market prices, such as interest, commodity and currency rate movements. In addition, derivatives can be highly volatile, illiquid and difficult to value.

Options Risk. A small investment in options could have a potentially large impact on an investor’s performance. The use of options involves risks different from, or possibly greater than, the risks associated with investing directly in the underlying assets. Derivatives can be highly volatile, illiquid and difficult to value, and there is the risk that a hedging technique will fail if changes in the value of a derivative held by an investor do not correlate with the securities being hedged.

Cybersecurity Risk. The computer systems, networks and devices used by Bohmer Kilcoyne Wealth Management and service providers to Bohmer Kilcoyne Wealth Management and our clients to carry out routine business operations employ a variety of protections designed to prevent damage or interruption from computer viruses, network failures, computer and telecommunication failures, infiltration by unauthorized persons and security breaches. Despite the various protections utilized, systems, networks or devices potentially can be breached. A client could be negatively impacted as a result of a cybersecurity breach. Cybersecurity breaches can include unauthorized access to systems, networks or devices; infection from computer viruses or other malicious software code; and attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality. Cybersecurity breaches may cause disruptions and impact business operations, potentially resulting in financial losses to a client; impediments to trading; the inability by Bohmer Kilcoyne Wealth Management and other service providers to transact business; violations of applicable privacy and other laws; regulatory fines, penalties, reputational damage, reimbursement or other compensation costs, or other compliance costs; as well as the inadvertent release of confidential information. Similar adverse consequences could result from cybersecurity breaches affecting issues of securities in which a client invests; governmental and other regulatory authorities; exchange and other financial market operators, banks, brokers, dealers and other financial institutions; and other parties. In addition, substantial costs may be incurred by those entities in order to prevent any cybersecurity breaches in the future.

Item 9 – Disciplinary Information
Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to a client’s evaluation of Bohmer Kilcoyne Wealth Management or the integrity of Bohmer Kilcoyne Wealth Management’s management. Bohmer Kilcoyne Wealth Management has no disciplinary events to report.

Item 10 – Other Financial Industry Activities and Affiliations
Certain of Bohmer Kilcoyne Wealth Management’s employees are also Registered Representatives of LPL Financial LLC, a FINRA and SIPC member, and registered broker/dealer. Please see Item 5 – Fees and Compensation for more information.

Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading
Code of Ethics and Personal Trading
Bohmer Kilcoyne Wealth Management has adopted a Code of Ethics (“the Code”), the full text of which is available to you upon request. Bohmer Kilcoyne Wealth Management’s Code has several goals. First, the Code is designed to assist Bohmer Kilcoyne Wealth Management in complying with applicable laws and regulations governing its investment advisory business. Under the Investment Advisers Act of 1940, Bohmer Kilcoyne Wealth Management owes fiduciary duties to its clients. Pursuant to these fiduciary duties, the Code requires persons associated with Bohmer Kilcoyne Wealth Management (managers, officers and employees) to act with honesty, good faith and fair dealing in working with clients. In addition, the Code prohibits such associated persons from trading or otherwise acting on insider information.

Next, the Code sets forth guidelines for professional standards for Bohmer Kilcoyne Wealth Management’s associated persons. Under the Code’s Professional Standards, Bohmer Kilcoyne Wealth Management expects its associated persons to put the interests of its clients first, ahead of personal interests. In this regard, Bohmer Kilcoyne Wealth Management associated persons are not to take inappropriate advantage of their positions in relation to Bohmer Kilcoyne Wealth Management clients.

Third, the Code sets forth policies and procedures to monitor and review the personal trading activities of associated persons. From time to time Bohmer Kilcoyne Wealth Management’s associated persons may invest in the same securities recommended to clients. Under its Code, Bohmer Kilcoyne Wealth Management has adopted procedures designed to reduce or eliminate conflicts of interest that this could potentially cause. The Code’s personal trading policies include procedures for limitations on personal securities transactions of associated persons, reporting and review of such trading and pre-clearance of certain types of personal trading activities. These policies are designed to discourage and prohibit personal trading that would disadvantage clients. The Code also provides for disciplinary action as appropriate for violations.

Participation or Interest in Client Transactions
Because associated persons may invest in the same securities as those held in client accounts, Bohmer Kilcoyne Wealth Management has established a policy requiring its associated persons to pre-clear transactions in some types of securities with the Chief Compliance Officer. The goal of this policy is to avoid any conflicts of interest that arise in these situations. Some types of securities, such as CDs, treasury obligations and open-end mutual funds are exempt from this pre-clearance requirement. However, in the event of other identified potential trading conflicts of interest, Bohmer Kilcoyne Wealth Management’s goal is to place client interests first.

Consistent with the foregoing, Bohmer Kilcoyne Wealth Management maintains policies regarding participation in initial public offerings (“IPOs”) and private placements to comply with applicable laws and avoid conflicts with client transactions.

Finally, if associated persons trade with client accounts (i.e., in a bundled or aggregated trade), and the trade is not filled in its entirety, the associated person’s shares will be removed from the block, and the balance of shares will be allocated among client accounts in accordance with Bohmer Kilcoyne Wealth Management’s written policy.

Item 12 – Brokerage Practices
Best Execution and Benefits of Brokerage Selection
When given discretion to select the brokerage firm that will execute orders in client accounts, Bohmer Kilcoyne Wealth Management seeks “best execution” for client trades, which is a combination of a number of factors, including, without limitation, quality of execution, services provided and commission rates. Therefore, Bohmer Kilcoyne Wealth Management may use or recommend the use of brokers who do not charge the lowest available commission in the recognition of research and securities transaction services, or quality of execution. Research services received with transactions may include proprietary or third party research (or any combination), and may be used in servicing any or all of Bohmer Kilcoyne Wealth management’s clients. Therefore, research services received may not be used for the account for which the particular transaction was effected.

Bohmer Kilcoyne Wealth Management participates in the LPL Strategic Wealth Management Custodial Platform II (“LPL”) program and also the Charles Schwab & Co., Inc. (“Schwab”) custodial platform for its clients. Bohmer Kilcoyne Wealth Management will recommend that clients establish brokerage accounts with LPL or Schwab to maintain custody of clients’ assets and to effect trades for their accounts. The final decision to custody assets with LPL or Schwab is at the discretion of Bohmer Kilcoyne Wealth Management’s clients, including those accounts under the Employee Retirement Income Security Act of 1974 or individual retirement account (“IRA”) rules and regulations, in which case the client is acting as either the plan sponsor or IRA accountholder. Both LPL and Schwab are registered broker-dealers and members of SIPC. Bohmer Kilcoyne Wealth Management is independently owned and operated and is not affiliated with either LPL or Schwab.

Benefits Received from LPL

While there is no direct link between the investment advice Bohmer Kilcoyne Wealth Management provides and participation in the LPL program, Bohmer Kilcoyne Wealth management receives certain economic benefits from the LPL program. These benefits may include software and other technology that provides access to client account data (such as trade confirmations and account statements), facilitates trade execution (and allocation of aggregated orders for multiple client accounts), provides research, pricing information and other market data, facilitates the payment of Bohmer Kilcoyne Wealth Management’s fees from its clients’ accounts, and assists with back-office functions, recordkeeping and client reporting. Many of these services may be used to service all or a substantial number of Bohmer Kilcoyne Wealth Management’s accounts, including accounts not held at LPL. LPL may also make available to Bohmer Kilcoyne Wealth Management other services intended to help Bohmer Kilcoyne Wealth Management manage and further develop its business. These services may include consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance and marketing. In addition, LPL may make available, arrange and/or pay for these types of services to be rendered to Bohmer Kilcoyne Wealth Management by independent third parties. LPL may discount or waive fees it would otherwise charge for some of these services, pay all or a part of the fees of a third-party providing these services to Bohmer Kilcoyne Wealth Management, and/or LPL may pay for travel expenses relating to participation in such training. Finally, participation in the LPL program provides Bohmer Kilcoyne Wealth Management with access to mutual funds which normally require significantly higher minimum initial investments or are normally available only to institutional investors.

The benefits received through participation in the LPL program do not necessarily depend upon the proportion of transactions directed to LPL. The benefits are received by Bohmer Kilcoyne Wealth Management, in part because of commission revenue generated for LPL by Bohmer Kilcoyne Wealth Management’s clients. This means that the investment activity in client accounts is beneficial to Bohmer Kilcoyne Wealth Management, because LPL does not assess a fee to Bohmer Kilcoyne Wealth Management for these services. This creates an incentive for Bohmer Kilcoyne Wealth Management to continue to recommend LPL to its clients. While it may be possible to obtain similar custodial, execution and other services elsewhere at a lower cost, Bohmer Kilcoyne Wealth Management believes that LPL provides an excellent combination of these services. These services are not soft dollar arrangements, but are part of the institutional platform offered by LPL.

Benefits Received from Schwab

Schwab provides Bohmer Kilcoyne Wealth Management with access to its institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisors on an unsolicited basis, at no charge to advisors. Schwab’s services include brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment.

Schwab also makes available to Bohmer Kilcoyne Wealth Management other products and services that benefit Bohmer Kilcoyne Wealth Management but may not benefit its clients’ accounts. . These benefits may include national, regional or Bohmer Kilcoyne Wealth Management specific educational events organized and/or sponsored by Schwab. Other potential benefits may include occasional business entertainment of personnel of Bohmer Kilcoyne Wealth Management by Schwab personnel, including meals, invitations to sporting events, including golf tournaments, and other forms of entertainment, some of which may accompany educational opportunities. Other of these products and services assist Bohmer Kilcoyne Wealth Management in managing and administering clients’ accounts. These include software and other technology (and related technological training) that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), provide research, pricing information and other market data, facilitate payment of Bohmer Kilcoyne Wealth Management’s fees from its clients’ accounts, and assist with back-office training and support functions, recordkeeping and client reporting. Many of these services generally may be used to service all or some substantial number of Bohmer Kilcoyne Wealth Management’s accounts, including accounts not maintained at Schwab. Schwab also makes available to Bohmer Kilcoyne Wealth Management other services intended to help Bohmer Kilcoyne Wealth Management manage and further develop its business enterprise. These services may include professional compliance, legal and business consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, employee benefits providers, human capital consultants, insurance and marketing. In addition, Schwab may make available, arrange and/or pay vendors for these types of services rendered to Bohmer Kilcoyne Wealth Management by independent third parties. Schwab may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to Bohmer Kilcoyne Wealth Management. While, as a fiduciary, Bohmer Kilcoyne Wealth Management endeavors to act in its clients’ best interests, Bohmer Kilcoyne Wealth Management’s recommendation that clients maintain their assets in accounts at Schwab may be based in part on the benefit to Bohmer Kilcoyne Wealth Management of the availability of some of the foregoing products and services and other arrangements and not solely on the nature, cost or quality of custody and brokerage services provided by Schwab, which may create a potential conflict of interest.

In addition, in January, 2018 Bohmer Kilcoyne Wealth Management entered into a Client Benefit Agreement with Schwab pursuant to which Schwab agreed to pay up to $125,000 of Bohmer Kilcoyne Wealth Management’s technology, consulting, marketing or research expenses, payable based on the amount of net new client assets deposited with Schwab. Furthermore, pursuant to this agreement Schwab has agreed to the reimbursement of transfer of account fees incurred by Bohmer Kilcoyne Wealth Management clients transferring to Schwab within twelve months of the date of the Client Benefit Agreement. The value of this reimbursement is not to exceed $115,625. This Client Benefit Agreement is a conflict of interest, as it incentivizes Bohmer Kilcoyne Wealth Management to recommend Schwab over custodians who have not agreed to pay these expenses on our client’s behalf. Bohmer Kilcoyne Wealth Management addresses this conflict by disclosing it to Bohmer Kilcoyne Wealth Management clients, and in any instances in which Bohmer Kilcoyne Wealth Management recommend that a client custody their assets with Schwab the recommendation is based on Bohmer Kilcoyne Wealth Management’s belief that it is in the best interest of the client.

Directed Brokerage
Bohmer Kilcoyne Wealth management does not generally allow directed brokerage accounts.

Aggregated Trade Policy
Bohmer Kilcoyne Wealth Management may enter trades as a block where possible and when advantageous to clients whose accounts have a need to buy or sell shares of the same security. This method permits the trading of aggregate blocks of securities composed of assets from multiple client accounts. It allows Bohmer Kilcoyne Wealth Management to execute trades in a timely, equitable manner, and may reduce overall costs to clients

Bohmer Kilcoyne Wealth Management will only aggregate transactions when it believes that aggregation is consistent with its duty to seek best execution (which includes the duty to seek best price) for its clients, and is consistent with the terms of Bohmer Kilcoyne Wealth Management’s Investment Advisory Agreement with each client for which trades are being aggregated. No advisory client will be favored over any other client; each client that participates in an aggregated order will participate at the average share price for all Bohmer Kilcoyne Wealth Management’s transactions in a given security on a given business day. Transaction costs for participating accounts will be assessed at the custodian’s commission rate applicable to each account; therefore, transaction costs may vary among accounts. Accounts may be excluded from a block due to tax considerations, client direction or other factors making the account’s participation ineligible or impractical.

Bohmer Kilcoyne Wealth Management will prepare, before entering an aggregated order, a written statement (“Allocation Statement”) specifying the participating client accounts and how it intends to allocate the order among those clients. If the aggregated order is filled in its entirety, it will be allocated among clients in accordance with the Allocation Statement. If the order is partially filled, it will generally be allocated pro-rata, based on the Allocation Statement, or randomly in certain circumstances. Notwithstanding the foregoing, the order may be allocated on a basis different from that specified in the Allocation Statement if all client accounts receive fair and equitable treatment, and the reason for different allocation is explained in writing and is approved by an appropriate individual/officer of Bohmer Kilcoyne Wealth Management. Bohmer Kilcoyne Wealth Management’s books and records will separately reflect, for each client account included in a block trade, the securities held by and bought and sold for that account. Funds and securities of clients whose orders are aggregated will be deposited with one or more banks or broker-dealers, and neither the clients’ cash nor their securities will be held collectively any longer than is necessary to settle the transaction on a delivery versus payment basis; cash or securities held collectively for clients will be delivered out to the custodian bank or broker-dealer as soon as practicable following the settlement, and Bohmer Kilcoyne Wealth Management will receive no additional compensation or remuneration of any kind as a result of the proposed aggregation.

Item 13 – Review of Accounts
Managed portfolios are reviewed at least quarterly, but may be reviewed more often if requested by the client, upon receipt of information material to the management of the portfolio, or at any time such review is deemed necessary or advisable by Bohmer Kilcoyne Wealth Management. These factors generally include, but are not limited to, the following: change in general client circumstances (marriage, divorce, retirement); or economic, political or market conditions. One or more Investment Adviser Representatives and/or a firm principal review all accounts.

Account custodians are responsible for providing monthly or quarterly account statements which reflect the positions (and current pricing) in each account as well as transactions in each account, including fees paid from an account. Account custodians also provide prompt confirmation of all trading activity, and year-end tax statements, such as 1099 forms. In addition, Bohmer Kilcoyne Wealth Management may provide at least a quarterly report for each managed portfolio. This written report normally includes a summary of portfolio holdings and performance results. Additional reports are available at the request of the client.

Item 14 – Client Referrals and Other Compensation
As noted above, Bohmer Kilcoyne Wealth Management receives economic benefits from LPL and Schwab in the form of support products and services they make available to Bohmer Kilcoyne Wealth Management and other independent investment advisors whose clients maintain accounts at LPL and Schwab. These products and services, how they benefit our firm, and the related conflicts of interest are described in Item 12 – Brokerage Practices. The availability of LPL’s and Schwab’s products and services to Bohmer Kilcoyne Wealth Management is based solely on our client’s utilizing those entities for custody of their assets and not in the provision of any particular investment advice. None of LPL, Schwab, or any other party is paid to refer clients to Bohmer Kilcoyne Wealth Management.

Item 15 – Custody
LPL and Schwab are the custodians of all client accounts at Bohmer Kilcoyne Wealth Management. It is the custodian’s responsibility to provide clients with confirmations of trading activity, tax forms and at least quarterly account statements. Clients are advised to review this information carefully, and to notify Bohmer Kilcoyne Wealth Management of any questions or concerns. Clients are also asked to promptly notify Bohmer Kilcoyne Wealth Management if the custodian fails to provide statements on each account held.

From time to time and in accordance with Bohmer Kilcoyne Wealth Management’s agreement with clients, Bohmer Kilcoyne Wealth Management may provide additional reports. The account balances reflected on these reports should be compared to the balances shown on the brokerage statements to ensure accuracy. At times there may be small differences due to the timing of dividend reporting, pending trades or other similar issues.

Item 16 – Investment Discretion
As described above under Item 4 – Advisory Business, Bohmer Kilcoyne Wealth Management manages portfolios on a discretionary basis. This means that after an Investment Plan is developed for the client’s investment portfolio, Bohmer Kilcoyne Wealth Management will execute that plan without specific consent from the client for each transaction. For discretionary accounts, a Limited Power of Attorney (“LPOA”) is executed by the client, giving Bohmer Kilcoyne Wealth Management the authority to carry out various activities in the account, generally including the following: trade execution; the ability to request checks on behalf of the client; and, the withdrawal of advisory fees directly from the account. Bohmer Kilcoyne Wealth Management then directs investment of the client’s portfolio using its discretionary authority. The client may limit the terms of the LPOA to the extent consistent with the client’s investment advisory agreement with Bohmer Kilcoyne Wealth Management and the requirements of the client’s custodian. The discretionary relationship is further described in the agreement between Bohmer Kilcoyne Wealth Management and the client.

Item 17 – Voting Client Securities
As a policy and in accordance with Bohmer Kilcoyne Wealth Management’s client agreement, Bohmer Kilcoyne Wealth Management does not vote proxies related to securities held in client accounts. The custodian of the account will normally provide proxy materials directly to the client. Clients may contact Bohmer Kilcoyne Wealth Management with questions relating to proxy procedures and proposals; however, Bohmer Kilcoyne Wealth Management generally does not research particular proxy proposals. In addition, Bohmer Kilcoyne Wealth Management does not advise or act for clients with respect to any legal matters, including bankruptcies and class actions, for the securities held in clients’ accounts.

Item 18 – Financial Information
Bohmer Kilcoyne Wealth Management does not require nor solicit prepayment of more than $1,200 in fees per client, six months or more in advance, and therefore has no disclosure with respect to this item.

13272115v3

Brochure Supplement
Form ADV Part 2B
Item 1 – Cover Page

Michael Sullivan Bohmer
CRD# 2790985

of

Bohmer Kilcoyne Wealth Management, LLC

9360 Montgomery Road
Cincinnati, OH 45242

(513) 942-9700

www.BKWealth.com

September 18, 2018

This brochure supplement provides information about Michael Bohmer (“Mike”), and supplements the Bohmer Kilcoyne Wealth Management, LLC brochure. You should have received a copy of that brochure. Please contact Bohmer Kilcoyne Wealth Management at (513) 942-9700 if you did not receive Bohmer Kilcoyne Wealth Management’s brochure, or if you have any questions about the contents of this supplement.

Additional information about Mike is available on the SEC’s website at www.AdviserInfo.sec.gov.

Item 2 – Educational Background and Business Experience
Michael Sullivan Bohmer (year of birth 1972) is an Investment Adviser Representative of Bohmer Kilcoyne Wealth Management. Prior to joining Bohmer Kilcoyne Wealth Management, Mike was an Investment Adviser Representative of LPL Financial, LLC from 2001 to 2013. Mike continues to serve as a Registered Representative of LPL Financial Corporation, a broker-dealer, where he has been employed since 2001. Mike’s previous industry experience includes working as a Financial Planner with Donahue Securities, Inc. and serving as a Registered Representative with Metlife Securities, Inc.

Mike earned his Bachelors in Economics from the University of Notre Dame in 1995.

Item 3 – Disciplinary Information

Advisers are required to disclose any material facts regarding certain legal or disciplinary events that would be material to your evaluation of an adviser; however Mike has no such disciplinary information to report.

Item 4 – Other Business Activities
Mike is also a Registered Representative of LPL Financial (“LPL”), an SEC registered broker/dealer and member of FINRA and SIPC. As Registered Representative, he is entitled to receive commissions or other remuneration on the sale of insurance and other products. In order to protect client interests, Bohmer Kilcoyne Wealth Management’s policy is to disclose all forms of compensation before any such transaction is executed. Clients will not pay both a commission to Mike and also pay an advisory fee to Bohmer Kilcoyne Wealth Management on assets held in the same account. These fees are exclusive of each other. Mike does not receive commissions or otherwise act as a Registered Representative in regards to client assets for which Mike/Bohmer Kilcoyne Wealth Management provides Portfolio Management services. Mike provides services as a Registered Representatives of LPL Financial only to those clients, or non-clients, who have specifically entered into a brokerage agreement with LPL Financial.

Item 5 – Additional Compensation
Other than as stated above, Mike has no other income or compensation to disclose.

Item 6 – Supervision
As co-owners of Bohmer Kilcoyne Wealth Management, Mike and John M. Kilcoyne are responsible for providing supervisory and oversight. Mike’s and John’s telephone numbers are provided in this Appendix A. In addition, Kevin S. Woodard serves as the Chief Compliance Officer of Bohmer Kilcoyne Wealth Management. Kevin can be reached at (513) 977-8646.

Brochure Supplement
Form ADV Part 2B
Item 1 – Cover Page

John Michael Kilcoyne, CPA, CFP®
CRD# 3221909

of

Bohmer Kilcoyne Wealth Management, LLC

9360 Montgomery Road
Cincinnati, OH 45242

(513) 942-9700

www.BKWealth.com

September 18, 2018

This brochure supplement provides information about John Kilcoyne, and supplements the Bohmer Kilcoyne Wealth Management, LLC brochure. You should have received a copy of that brochure. Please contact Bohmer Kilcoyne Wealth Management at (513) 942-9700 if you did not receive Bohmer Kilcoyne Wealth Management’s brochure, or if you have any questions about the contents of this supplement.

Additional information about John is available on the SEC’s website at www.AdviserInfo.sec.gov.

Item 2 – Educational Background and Business Experience
John Michael Kilcoyne (year of birth 1972) is an Investment Adviser Representative of Bohmer Kilcoyne Wealth Management. Prior to joining Bohmer Kilcoyne Wealth Management, John was an Investment Adviser Representative with LPL Financial, LLC from 2001 to 2013. John continues to serve as a Registered Representative of LPL Financial Corporation, a broker-dealer, where he has been employed since 2001.

John earned his bachelors degree in Accounting from the University of Notre Dame in 1995. He became a CPA* in 1996 and a CERTIFIED FINANCIAL PLANNER™ professional** in 2002.

*A CPA is a Certified Public Accountant. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license to practice public accounting. While the exam is the same regardless of where it is taken, every state/jurisdiction has its own set of education and experience requirements that individuals must meet. However, most states require at least a bachelor’s degree and a concentration in accounting, and at least one year of public accounting experience under the supervision of or verification by a CPA. Once the designation is attained, the CPA is required to meet continuing education requirements.

** The CFP® certification is granted by Certified Financial Planner Board of Standards, Inc. (CFP Board). To attain the certification, the candidate must complete the required educational, examination, experience and ethics requirements set forth by CFP Board. Certain designations, such as the CPA, CFA and others may satisfy the education component, and allow a candidate to sit for the CFP® Certification Examination. A comprehensive examination tests the candidate’s ability to apply financial planning knowledge to client situations. Qualifying work experience is also required for certification. Qualifying experience includes work in the area of the delivery of the personal financial planning process to clients, the direct support or supervision of others in the personal financial planning process, or teaching all, or any portion, of the personal financial planning process. CFP® professionals must complete 30 hours of continuing education accepted by CFP Board every two years.

Item 3 – Disciplinary Information

Advisers are required to disclose any material facts regarding certain legal or disciplinary events that would be material to your evaluation of an adviser; however John has no such disciplinary information to report.

Item 4 – Other Business Activities
John is also a Registered Representative of LPL Financial (“LPL”), an SEC registered broker/dealer and member of FINRA and SIPC. As Registered Representative, he is entitled to receive commissions or other remuneration on the sale of insurance and other products. In order to protect client interests, Bohmer Kilcoyne Wealth Management’s policy is to disclose all forms of compensation before any such transaction is executed. Clients will not pay both a commission to John and also pay an advisory fee to Bohmer Kilcoyne Wealth Management on assets held in the same account. These fees are exclusive of each other. John does not receive commissions or otherwise act as a Registered Representative in regards to client assets for which John/Bohmer Kilcoyne Wealth Management provides Portfolio Management services. John provides services as a Registered Representatives of LPL Financial only to those clients, or non-clients, who have specifically entered into a brokerage agreement with LPL Financial.

Item 5 – Additional Compensation
Other than as stated above, John has no other income or compensation to disclose.

Item 6 – Supervision
As co-owners of Bohmer Kilcoyne Wealth Management, John and Michael S. Bohmer are responsible for providing supervisory oversight. John’s and Mike’s telephone numbers are provided in this Appendix A. In addition, Kevin S. Woodard serves as the Chief Compliance Officer of Bohmer Kilcoyne Wealth Management. Kevin can be reached at (513) 977-8646.

Brochure Supplement
Form ADV Part 2B
Item 1 – Cover Page

Bethany Bohmer Huffman, CIMA®
CRD# 5640182

of

Bohmer Kilcoyne Wealth Management, LLC

9360 Montgomery Road
Cincinnati, OH 45242

(513) 942-9700

www.BKWealth.com

September 18, 2018

This brochure supplement provides information about Bethany Bohmer Huffman, and supplements the Bohmer Kilcoyne Wealth Management, LLC brochure. You should have received a copy of that brochure. Please contact Bohmer Kilcoyne Wealth Management at (513) 942-9700 if you did not receive Bohmer Kilcoyne Wealth Management’s brochure, or if you have any questions about the contents of this supplement.

Additional information about Bethany is available on the SEC’s website at www.AdviserInfo.sec.gov.

Item 2 – Educational Background and Business Experience
Bethany Bohmer Huffman (year of birth 1980) is an Investment Adviser Representative of Bohmer Kilcoyne Wealth Management. Prior to joining Bohmer Kilcoyne Wealth Management, Bethany was an Investment Adviser Representative of LPL Financial, LLC from 2009 to 2013. Bethany continues to serve as a Registered Representative of LPL Financial Corporation, a broker-dealer, where she has been employed since 2009. Her prior experience includes serving as a Financial Analyst with Spatality from 2008 -2009.

Bethany earned her Bachelor of Science in Finance from Butler University in 2003. Bethany holds the *Certified Investment Management Analyst® Certification, administered by the Investment Management Consultants Association® and taught in conjunction with the Yale School of Management.

* A CIMA is a Certified Investment Management Analyst. The CIMA is administered by the Investment Management Consultants Association®. All candidates must have three years of financial service experience, and a satisfactory record of ethical conduct, as determined by IMCA’s Admissions Committee. The candidates are required to complete a classroom program provided by an IMCA registered education provider, and pass a qualification and certification examination. CIMA professionals are required to complete continuing education requirements of 40 hours every two years.

Item 3 – Disciplinary Information

Advisers are required to disclose any material facts regarding certain legal or disciplinary events that would be material to your evaluation of an adviser; however Bethany has no such disciplinary information to report.

Item 4 – Other Business Activities
Bethany is also a Registered Representative of LPL Financial (“LPL”), an SEC registered broker/dealer and member of FINRA and SIPC. As Registered Representative, she is entitled to receive commissions or other remuneration on the sale of insurance and other products. In order to protect client interests, Bohmer Kilcoyne Wealth Management’s policy is to disclose all forms of compensation before any such transaction is executed. Clients will not pay both a commission to Bethany and also pay an advisory fee to Bohmer Kilcoyne Wealth Management on assets held in the same account. These fees are exclusive of each other. Bethany does not receive commissions or otherwise act as a Registered Representative in regards to client assets for which Bethany/Bohmer Kilcoyne Wealth Management provides Portfolio Management services. Bethany provides services as a Registered Representatives of LPL Financial only to those clients, or non-clients, who have specifically entered into a brokerage agreement with LPL Financial.

Item 5 – Additional Compensation
Other than as stated above, Bethany has no other income or compensation to disclose.

Item 6 – Supervision
As co-owners of Bohmer Kilcoyne Wealth Management, Michael S. Bohmer and John M. Kilcoyne are responsible for providing supervisory oversight of Bethany. This oversight includes the review of accounts. Mike’s and John’s telephone numbers are provided in this Appendix A. In addition, Kevin S. Woodard serves as the Chief Compliance Officer of Bohmer Kilcoyne Wealth Management. Kevin can be reached at (513) 977-8646.

Brochure Supplement
Form ADV Part 2B
Item 1 – Cover Page

Mary Kathryn Herrington, CFP®
CRD# 4582994

of

Bohmer Kilcoyne Wealth Management, LLC

9360 Montgomery Road
Cincinnati, OH 45242

(513) 942-9700

www.BKWealth.com

September 18, 2018

This brochure supplement provides information about Mary Herrington, and supplements the Bohmer Kilcoyne Wealth Management, LLC brochure. You should have received a copy of that brochure. Please contact Bohmer Kilcoyne Wealth Management at (513) 942-9700 if you did not receive Bohmer Kilcoyne Wealth Management’s brochure, or if you have any questions about the contents of this supplement.

Additional information about Mary is available on the SEC’s website at www.AdviserInfo.sec.gov.

Item 2 – Educational Background and Business Experience
Mary Kathryn Herrington (year of birth 1968) is an Investment Adviser Representative of Bohmer Kilcoyne Wealth Management. Prior to joining Bohmer Kilcoyne Wealth Management, Mary was an Investment Adviser Representative of LPL Financial, LLC from 2010 to 2013. Mary continues to serve as a Registered Representative of LPL Financial Corporation, a broker-dealer, where she has been employed since 2010.

Mary earned her Bachelor of Arts in Economics from University of Notre Dame in 1990. Mary has also been a CERTIFIED FINANCIAL PLANNER™ professional* since 2011.

* The CFP® certification is granted by Certified Financial Planner Board of Standards, Inc. (CFP Board). To attain the certification, the candidate must complete the required educational, examination, experience and ethics requirements set forth by CFP Board. Certain designations, such as the CPA, CFA and others may satisfy the education component, and allow a candidate to sit for the CFP® Certification Examination. A comprehensive examination tests the candidate’s ability to apply financial planning knowledge to client situations. Qualifying work experience is also required for certification. Qualifying experience includes work in the area of the delivery of the personal financial planning process to clients, the direct support or supervision of others in the personal financial planning process, or teaching all, or any portion, of the personal financial planning process. CFP® professionals must complete 30 hours of continuing education accepted by CFP Board every two years.

Item 3 – Disciplinary Information

Advisers are required to disclose any material facts regarding certain legal or disciplinary events that would be material to your evaluation of an adviser; however Mary has no such disciplinary information to report.

Item 4 – Other Business Activities
Mary is also a Registered Representative of LPL Financial (“LPL”), an SEC registered broker/dealer and member of FINRA and SIPC. As Registered Representative, she is entitled to receive commissions or other remuneration on the sale of insurance and other products. In order to protect client interests, Bohmer Kilcoyne Wealth Management’s policy is to disclose all forms of compensation before any such transaction is executed. Clients will not pay both a commission to Mary and also pay an advisory fee to Bohmer Kilcoyne Wealth Management on assets held in the same account. These fees are exclusive of each other. Mary does not receive commissions or otherwise act as a Registered Representative in regards to client assets for which Mary/Bohmer Kilcoyne Wealth Management provides Portfolio Management services. Bethany provides services as a Registered Representatives of LPL Financial only to those clients, or non-clients, who have specifically entered into a brokerage agreement with LPL Financial.

Item 5 – Additional Compensation
Other than as stated above, Mary has no other income or compensation to disclose.

Item 6 – Supervision
As co-owners of Bohmer Kilcoyne Wealth Management, Michael S. Bohmer and John M. Kilcoyne are responsible for providing supervisory oversight of Mary. This oversight includes the review of accounts. Mike’s and John’s telephone numbers are provided in this Appendix A. In addition, Kevin S. Woodard serves as the Chief Compliance Officer of Bohmer Kilcoyne Wealth Management. Kevin can be reached at (513) 977-8646.

13272105v3

Wrap Fee Program Brochure
Form ADV 2A – Appendix 1
Item 1 – Cover Page

Bohmer Kilcoyne Wealth Management, LLC
CRD# 168419

9360 Montgomery Road
Cincinnati, Ohio 45242

(513) 942-9700

www.BKWealth.com

October 17, 2018

This brochure provides information about the qualifications and business practices of Bohmer Kilcoyne Wealth Management, LLC. If you have any questions about the contents of this brochure, please contact us at (513) 942-9700 or j.kilcoyne@bkwealth.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state authority.

Bohmer Kilcoyne Wealth Management is an investment advisory firm registered with the appropriate regulatory authority. Registration does not imply a certain level of skill or training. Additional information about Bohmer Kilcoyne Wealth Management also is available on the SEC’s website at www.AdviserInfo.sec.gov.

Item 2 – Material Changes

On March 28, 2018 an annual amendment of this Wrap Fee Program Brochure was filed. The following is a summary of material changes made as part of that annual update:

Item 4 – Services, Fees and Compensation:
Item 4 was revised to delineate that the Bohmer Kilcoyne Wealth Management Wealth Wrap Program fees are assessed on all assets under management by Bohmer Kilcoyne Wealth Management, including securities, cash and money market balances. Margin debit balances do not reduce the value of the assets under management. In addition, Item 4 was revised to include language detailing the fact that Bohmer Kilcoyne Wealth Management has agreed with the account custodians/broker-dealers that the Bohmer Kilcoyne Wealth Management Wealth Wrap Program fee that is charged will not be more than the fees that Bohmer Kilcoyne Wealth Management pays the specific custodian/broker-dealer plus the stand alone investment advisory fee Bohmer Kilcoyne Wealth Management would otherwise charge clients, specifically Bohmer Kilcoyne Wealth Management does not mark up the custodian/broker-dealer fees.

Item 9 – Additional Information:
Item 9 was revised to include language referring clients to Item 12 – Brokerage Practices in Bohmer Kilcoyne Wealth Management’s Form ADV Part 2A for information regarding economic benefits that Bohmer Kilcoyne Wealth Management receives from the custodians/broker-dealers LPL Financial LLC and Charles Schwab & Co., Inc.

Since that March 28, 2018 annual update the following changes have been made to this Wrap Fee Program Brochure:

Effective September 5, 2018 the firm changed its name from HBK Wealth Management to Bohmer Kilcoyne Wealth Management, LLC. The Items of this Wrap Fee Program Brochure have been revised to reflect the name change.

In addition, please refer to the Brochure, which is included with this Wrap Fee Program Brochure, for any additional material changes.

Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading
 

 

Item 3 – Table of Contents
Page
 
Item 1 – Cover Page
 
1
 
Item 2 – Material Changes
 
2
 
Item 3 – Table of Contents
 
3
 
Item 4 – Services, Fees and Compensation
 
4
 
Item 5 – Account Requirements and Types of Clients
 
5
 
Item 6 – Portfolio Manager Selection and Evaluation
 
5
 
Item 7 – Client Information Provided to Portfolio Managers
 
5
 
Item 8 – Client Contact with Portfolio Managers
 
6
 
Item 9 – Additional Information
 
6
 

Item 4 – Services, Fees and Compensation

General Information

Bohmer Kilcoyne Wealth Management was formed in 2013, and provides financial planning and portfolio management services to its clients. Such services are offered through the Bohmer Kilcoyne Wealth Management or the “Program”, which has been designed to simplify the payment of management fees and brokerage expenses.

Michael S. Bohmer and John M. Kilcoyne are the two owners of Bohmer Kilcoyne Wealth Management. Please see Brochure Supplement(s), Exhibit A, for more information on Mr. Bohmer, Mr. Kilcoyne and other individuals who formulate investment advice and have direct contact with clients, or have discretionary authority over client accounts.

Portfolio Management Services

At the beginning of a client relationship, Bohmer Kilcoyne Wealth Management meets with the client, gathers information, and performs research and analysis as necessary to develop the client’s Investment Plan. The Investment Plan will be updated from time to time when requested by the client, or when determined to be necessary or advisable by Bohmer Kilcoyne Wealth Management based on updates to the client’s financial or other circumstances.

To implement the client’s Investment Plan, Bohmer Kilcoyne Wealth Management will manage the client’s investment portfolio on a discretionary basis. As a discretionary investment adviser, Bohmer Kilcoyne Wealth Management will have the authority to supervise and direct the portfolio without prior consultation with the client.

General Fee Information

Fees paid by clients to participate in the Bohmer Kilcoyne Wealth Management Wrap Program generally include brokerage execution expenses (i.e., commissions, ticket charges, etc.) as well as the management fee paid to Bohmer Kilcoyne Wealth Management. Under the inclusive billing alternative, Bohmer Kilcoyne Wealth Management will assess one client fee that captures the Portfolio Management and brokerage execution portions collectively.  Bohmer Kilcoyne Wealth Management’s annual fee for investment management services provided under the Program are based on the market value of the assets under management in each account and are calculated as follows:

 

 

Assets Under Management  
Annual Rate
 
$0 – $99,999 
1.40%
 
$100,000 – $249,999 
1.30%
 
$250,000- $499,999 
1.20%
 
$500,000 – $999,999  
1.10%
 
$1,000,000 – $2,499,999
1.00%
 
$Over $2,500,000 
0.90%
 



The fees are assessed on all assets under management by Bohmer Kilcoyne Wealth Management, including securities, cash and money market balances. Margin debit balances do not reduce the value of the assets under management. The above fees are negotiable and are generally charged quarterly in advance. Fees paid to Bohmer Kilcoyne Wealth Management are exclusive of and distinct from the fees and expenses charged by mutual funds, ETFs (exchange traded funds) or other investment pools to their shareholders (generally including a management fee and fund expenses, as described in each fund’s prospectus or offering materials). Clients will pay certain fees in addition to the fees of the Bohmer Kilcoyne Wealth Management Wrap Program, such as margin interest, check fees, trade-away fees, odd lot differentials and other similar types of fees. Clients will pay certain fees in addition to the fees of the Bohmer Kilcoyne Wealth Management Wrap Program, as more fully described in the Brochure, Part 2A. Bohmer Kilcoyne Wealth Management Wrap Program fees which Bohmer Kilcoyne Wealth Management does not pay to third parties in connection with transaction and execution expenses are retained by Bohmer Kilcoyne Wealth Management. Because of this, Bohmer Kilcoyne Wealth Management may have a disincentive to trade securities in the accounts of clients in the Program.

The client should review all fees charged by funds, Bohmer Kilcoyne Wealth Management and others to fully understand the total amount of fees paid by the client for investment and financial-related services. Clients participating in the Bohmer Kilcoyne Wealth Management Wrap Program may pay higher or lower fees than clients purchasing such services separately, depending on the cost of services if provided separately and the level of trading in a particular client’s account. Bohmer Kilcoyne Wealth Management has agreed with the account custodians/broker-dealers that the Bohmer Kilcoyne Wealth Management Wrap Program fee that is charged will not be more than the fees that Bohmer Kilcoyne Wealth Management pays the specific custodian/broker-dealer plus the stand alone investment advisory fee Bohmer Kilcoyne Wealth Management would otherwise charge clients, specifically Bohmer Kilcoyne Wealth Management does not mark up the custodian/broker-dealer fees.

Wrap Program Fee Information

Please see Item 5 – Fees and Compensation of ADV Part 2A for more information regarding the Wrap Fee Program Fees.

Item 5 – Account Requirements and Types of Clients
Bohmer Kilcoyne Wealth Management serves individuals, high net worth individuals, pension and profit-sharing plans, corporations, trust, estates and charitable organizations. Bohmer Kilcoyne Wealth Management does not generally impose a minimum portfolio value for conventional investment advisory services or a minimum fee.

Item 6 – Portfolio Manager Selection and Evaluation
The Bohmer Kilcoyne Wealth Management Wrap Program was designed to simplify for clients the payment of management fees and brokerage expenses. The Program does not select advisers in addition to Bohmer Kilcoyne Wealth Management, which is the only Portfolio Manager for the Program.

Item 7 – Client Information Provided to Portfolio Managers
Bohmer Kilcoyne Wealth Management is the only portfolio manager under the Bohmer Kilcoyne Wealth Management Wrap Program. No information is shared with any other portfolio manager.

Item 8 – Client Contact with Portfolio Managers
Bohmer Kilcoyne Wealth Management is the only portfolio manager under the Bohmer Kilcoyne Wealth Management Wrap Program. No restrictions are placed on client’s ability to contact or consult with Bohmer Kilcoyne Wealth Management.

Item 9 – Additional Information
Neither Bohmer Kilcoyne Wealth Management nor its Management Persons have any disciplinary disclosure required. Please see ADV Part 2A for more information in the following areas: Item 10 – Other Financial Industry Activities and Affiliations, Item 11 – Code of Ethics, Item 13 – Review of Accounts, Item 14 – Client Referrals and Other Compensation, and Item 18 – Financial Information. In addition, please see ADV Part 2A Item 12 – Brokerage Practices for information regarding economic benefits that Bohmer Kilcoyne Wealth Management receives from the custodians/broker-dealers LPL Financial LLC and Charles Schwab & Co., Inc.

13272113v3