Catalyst Investment Management LLC

Catalyst Investment Management, LLC is an SEC‑registered advisor that provides discretionary investment management and financial planning to individuals, including high‑net‑worth clients, as well as trusts and estates; the firm reports managing about $129.81 million for roughly 60 client relationships and operates with a small advisory team. Services include ongoing portfolio management, written financial plans or ad‑hoc consulting, and referrals to specialists when appropriate.

The firm typically builds long‑term, diversified portfolios using low‑cost mutual funds and ETFs but may also employ individual stocks and bonds, covered options, REITs and select limited partnership interests where appropriate, applying fundamental, technical, cyclical and charting analysis and conducting periodic reviews (formal reviews at least annually). Advisory fees are charged as a percentage of assets under management and are billed quarterly in advance, and CIM monitors and rebalances accounts for tax planning, cash needs, and changes in client objectives.

CIM sponsors a wrap fee program (described in its Wrap Fee Program Brochure) that bundles securities transaction and related custodial costs into a single asset‑based fee, a less common arrangement that the firm discloses can affect total client costs depending on trading activity and may create incentives around using commission‑free ETFs. The firm is also affiliated by common ownership with an insurance agency, Catalyst Insurance, LLC, and discloses that certain advisory persons are licensed insurance professionals who receive customary commissions for insurance implementations, a potential conflict of interest that clients are not required to act upon.