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. This puts ICM and your interests in line with minimal conflict of interest and it also means we do not sell anything but portfolio management and financial planning services. There is no sales pressure ever.

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

Due to efficient operation, our fees compare very favorably with other advisors. Three plans are available:

Investment Management

All 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 risk tolerance

  • Investment Policy Statement

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

  • Financial Planning is available with a retainer arrangement.

Managed Accounts

For those clients wishing to delegate the daily activities of monitoring, trading, and tracking their investments, we suggest a Managed Account. You receive additional services which include the following:

  • Continuous investment supervision

  • Annual Reports

    • Performance Review

    • Realized Gain / Loss statement for taxes

    • Expenses for miscellaneous itemized deductions

Managed account fees are based on the amount of assets under management. 

Managed Account Plan:

  • For investments comprised of securities not found in our recommended mutual fund portfolio. For example, individual stocks and bonds and other existing securities in you current portfolio.

 You need at least $1,000,000 to invest1 and fees start at a low $667 per month. The asset-based fee decreases as the assets in the account increase.

Assets under Management Annual Fee1
the first $1,000,000 0.80%
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 $1,000,000 to invest and there is a minimum monthly fee of $667 for managed account clients. As an example, the fee for $1,266,667 of assets is $800 per month. For managing individual stocks, a separate 0.45% add-on fee is  imposed. For manually entered accounts, a separate 0.20% add-on fee is imposed. 
2External Assets that are not traded by ICM are not included in reports from ICM.

There may be a one-time design fee.

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.

Cookbook Investment Management

For investors who want to carry out the daily activities of monitoring, trading, and record keeping themselves, a Cookbook arrangement is ideal since it offers monthly email updates and twice-yearly review meetings with a financial planner intimately familiar with the recommended portfolios.

The portfolios are globally diversified and composed 100% of no-load mutual funds that are primarily passively managed (indexed). You receive email implementation support for all your clarification questions and the many advantages of access to Schwab Institutional.

You need at least $1,000,000 to invest3 and Cookbook fees start at a low $225 per month. The asset-based fee decreases as the assets in the account increase. We require that you meet with us twice yearly for an hour each and those meetings are included.

Assets under Management Annual Fee3
the first $1,000,000 0.27%
the portion from $1,000,000 to $2,000,000  0.20%
the portion from $2,000,000 to $5,000,000 0.17%
the portion over $5,000,000 0.10%
Ongoing Financial Planning via Retainer
External assets, i.e., 401(k), 403(b), ESPP, and stock options via Retainer

3You need at least $1,000,000 to invest and there is a minimum monthly fee of $225 for Cookbook plan clients. As an example, the fee for $1,450,000 of assets is $300 per month.

There may be a one-time design fee.

If you ever wish to delegate the trading and record keeping to us, we manage portfolios similar to the Cookbook portfolios for a low 0.80%. See the Managed Account Plan for details.

Financial Planning by Retainer

Designed for those who can benefit from a coordinated view of their financial life assisted by a Certified Financial Planner. The cost for the retainer is based on the effort and complexity involved. For typical situations the fee is in the range of $250 to $1,000 per month or is based on your net worth where the fee could be considerably higher. We can give you an estimate after discussing your particular situation. 

 

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