Apple & Company, Inc.

Apple & Company, Inc. manages about $61.8 million for roughly 86 clients and offers fee-for-service financial planning and discretionary asset management to individuals, businesses, and trusts. Its advisory work covers asset allocation, retirement and tax planning, insurance and estate planning, college funding, and qualified plan subaccount analysis, and the firm notes it often works with high-net-worth or accredited investors while not imposing formal account minimums.

The firm’s Apple Management Program (AMP) uses model-driven asset allocations combining equities, fixed income and a broad array of alternative investments (including REITs, oil & gas, equipment leasing, venture capital and hedge funds), with trading frequency that can range from weekly or monthly rebalancing to long-term holdings as appropriate. Apple & Company emphasizes mutual funds to limit intraday execution risk but may use ETFs, leveraged funds and illiquid alternatives; AMP is typically managed on a discretionary basis and clients may impose written restrictions (for example, to avoid leverage).

Noteworthy operational features include a disclosed change of custodian to Interactive Brokers and a dual-affiliation structure in which the adviser is also registered with a broker-dealer and licensed to sell insurance and variable products, arrangements the brochure identifies as potential sources of commissions and conflicts of interest. The firm also deducts advisory fees directly from client accounts (creating a limited form of custody under SEC rules), commonly excludes illiquid alternative holdings from fee calculations, and selects mutual fund share classes based on suitability rather than solely on the lowest internal expense.