White Plains, NY Office

5C Capital Management provides advisory services to individuals (including high‑net‑worth clients), trusts, estates, charitable organizations, corporations and retirement plans, offering financial planning and consulting, discretionary investment management, and periodic asset‑allocation and rebalancing. The firm charges percentage‑of‑AUM advisory fees for portfolio management and also offers stand‑alone, hourly financial planning engagements.

The firm builds portfolios from a blend of institutional mutual funds, separately managed accounts, ETFs, individual equities and fixed income, and may include alternative assets such as digital assets where appropriate; allocations are driven by client profiles, time horizon, tax considerations and efforts to reduce correlation across asset classes. 5C describes a structured due‑diligence process (including statistical MPT measures, liquidity assessment and manager/management review) and typically monitors and rebalances accounts on a quarterly or as‑needed basis under discretionary authority.

A few operational features distinguish the firm from many peers: it discloses that representatives may receive commissions on certain insurance or annuity implementations, and it documents the use of custodian‑provided educational conferences and events as a resource for advisor development and client education. The brochure also details specific trading procedures—block trades and matched fixed‑income cross‑trades with independent pricing checks—and an explicit, documented due‑diligence workflow for new investments, which together reflect a more granular operational framework than is typical for similarly sized teams.