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

Services Overview

ICM offers low-cost, tax-efficient, goal-focused financial solution packages based on your concerns and priorities. We offer a coordinated strategy taking you through forming financial goals and identifying issues; customizing and implementing a solution; assembling a team of financial and legal experts; and monitoring the results to stay current with personal and market changes.

We offer to provide two primary services:

  1. Investment Management

  2. Financial Planning

Investment Management

Asset allocation designed for your specific financial circumstances:
ICM will help you design an asset allocation that matches your financial goals, investment horizon, and volatility preference. Together we draft an Investment Policy Statement specifying the asset allocation. Selected no-load mutual funds and sometimes individual stock managers implement the asset allocation we have chosen. 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.

Investment supervision:
Your managed accounts are monitored and rebalanced regularly according to the Investment Policy Statement approved by you. Regular rebalancing is important for maximizing returns and obtaining the volatility goal that we established.

Financial Planning

While investments are certainly an important area (and our particular area of expertise), together we can review other financial areas of interest to you.  Examples are tax planning, retirement planning, living trusts, estate planning, gifting, charitable giving, mortgage financing, funding a child’s IRA, Roth IRA conversions, IRA distributions, and tax-deferred saving for college expenses.

Sometimes we use outside professionals to prepare specific documents (e.g., a trust attorney).  ICM maintains a list of professionals for your reference, and together we review any documentation prepared by others to make sure it fits your specific financial circumstance.

Financial planning is available by one-time project and ongoing Retainer arrangement.

Plans to Suit Every Client

  • Investment Management for those who wish to delegate the responsibility for daily monitoring and investment of their portfolio.

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

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