A & C Investment, Inc.

A&C Investment, Inc. is a small, sole-advisor registered investment adviser that provides portfolio management and financial planning to individual clients, high‑net‑worth individuals, and family trusts, and may consult on small company retirement plans. The firm manages roughly $21.7 million in client assets across about 11 client accounts and offers services such as mutual fund‑based portfolio management and ad hoc financial planning.

The adviser’s investment work focuses on constructing diversified mutual fund and ETF portfolios using a long‑term, fundamental analysis approach, with practices like dollar‑cost averaging and quarterly account reviews. The firm typically manages client accounts on a non‑discretionary basis—reviewing recommendations with clients before investing—which is explicitly noted in the brochure and is uncommon among similar independent firms.

A&C operates as a one‑person practice that primarily serves extended family and friends, does not actively advertise, and rarely adds new clients, while also managing several family trusts and partnerships where it may hold discretionary authority. The adviser holds the CERTIFIED FINANCIAL PLANNER™ designation and discloses significant outside business activities (ranching, oil and gas, and real estate), which the brochure states occupy a material amount of the adviser’s time.