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