Rich Chambers, CFP®
Julie Schatz, CFP®

Jennifer Cray, CFP®

Investor's Capital
Management, LLC
866-966-9291

Office Location:
Menlo Park, CA

Financial Planning and Investment Management for:
Menlo Park, Palo Alto, San Mateo, Belmont, Redwood City, San Carlos, Woodside, Mountain View, Los Altos, Los Altos Hills, Sunnyvale, Santa Clara, San Jose, Cupertino, Foster City, Burlingame, Fremont, Newark, Milpitas, Santa Cruz, Campbell, Los Gatos, Saratoga, Monte Sereno, Aptos, Morgan Hill, Gilroy

 Investor's Capital Management, LLC



Investor's Capital Management, LLC is a Fee-Only organization. No compensation of any sort is received by ICM other than that paid directly by clients. In other words, this no-commission policy puts ICM and your interests together with minimal conflict of interest and it also means we do not sell anything but investment management and financial planning services. There is no sales pressure.

What are ICM's fees for portfolio management and financial planning?

We offer:

  • Investment Management for those who wish to delegate the daily activities of their investment portfolios to a professional.

  • Financial Planning for those who can benefit from a coordinated view of their financial life developed by a CERTIFIED FINANCIAL PLANNER™ professional.

Investment Management

Investment management clients receive the following:

  • Fiduciary responsibility from the planner

  • Risk Tolerance Assessment

  • Asset Allocation and Portfolio design that matches your goals, investment time horizon, and volatility preference

  • Investment Policy Statement

  • Meetings and communications necessary for you to monitor and discuss your investments

  • Periodic Reporting:

    • Performance Review

    • Realized Gain / Loss statement for taxes

    • Expense statement for taxes

We primarily use mutual funds from Dimensional Investment Advisors (DFA) for implementing the equities (stock) allocation. For clients with significant assets, we may include some individual stock managers for tax efficiency.

Managed account fees are typically based on the amount of assets under management. Due to ICM's efficient operations, our fees compare favorably to many other San Francisco Bay Area advisors.

Managed Account Plan Fee:

The asset-based fee starts as low as $417 per month. The fee percentage decreases as the assets in the account increase.

Assets under Management Annual Fee1
the first $1,000,000 1.00%
the portion from $1,000,000 to $2,000,000  0.60%
the portion from $2,000,000 to $5,000,000 0.50%
the portion over $5,000,000 0.30%
Ongoing Financial Planning via Retainer
External assets2, i.e., 401(k), 403(b), ESPP, and stock options via Retainer

1You need at least $500,000 to invest and there is a minimum monthly fee of $417 for managed account clients. Because the rate decreases as the assets increase, the fee for $2,000,000 of assets is $1334 per month. 401k and 403b assets at existing employers may be included when the accounts are substantial. For managing individual stocks, a separate 0.45% add-on fee is  imposed.
2External Assets that are not traded by ICM may not be included in reports from ICM.

There may be a one-time design fee.

Implementation Discount: At ICM's discretion and only for clients with a high level of investment discipline and demonstrated expertise in Excel, online trading, and investment record keeping, some clients may accomplish much of the implementation work themselves, at a lower annual fee. The minimum requirement for this relationship is $1,000,000 of investable assets.

Fee payment: Multiple family accounts for those using the same mailing address may be joined for the purposes of computing the fees. Fees are paid in advance at the beginning of each quarter. With your approval, fees are deducted directly from your investment account. You may terminate at any time with no notice and no penalty; any fee paid past the termination date is refunded.

Financial Planning

Designed for those who can benefit from a coordinated view of their financial life assisted by a Certified Financial Planner™ professional. The cost for the plan is based on the effort and complexity involved. For typical situations the plan fee is in the range of $4,700 to $12,000. Ongoing financial planning is provided by retainer, and the fee is based on your net worth. We can give you an estimate after discussing your particular situation. 

 

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