Wilmington, NC Office

Cascades Capital provides discretionary and non‑discretionary portfolio management and limited financial planning to individuals (including high‑net‑worth clients), as well as trusts, estates, corporations and retirement plans. The firm also offers retirement‑plan consulting and ERISA fiduciary services to plan fiduciaries as part of its client service mix.

Investment decisions are guided by fundamental research and a long‑term orientation, with attention to valuation, financial‑strength metrics, dividend yields and diversification across equities, ETFs, mutual funds and fixed income. The firm may use third‑party separate account managers to implement client Investment Plans, monitors those managers’ approaches and typically favors higher‑quality fixed‑income holdings with shorter maturities to help manage interest‑rate and credit risk.

What is atypical for a firm of this size is that Cascades Capital can permit borrowing (leverage) within separately managed accounts and works with managers who may execute such strategies under discretionary authority, a practice that raises additional leverage and execution considerations. The firm is a small supported advisory team overseeing several hundred clients and relies on institutional custody and trading services while maintaining written policies on aggregation, proxy voting, and constructive custody (including standing letters of authorization for fee debits).