Considerate Capital, LLC

Considerate Capital provides retirement-focused wealth management and financial planning to pre-retirees, retirees, business owners approaching a sale, surviving spouses, multi‑generational families, and the related trusts, estates, and business entities. Its stated service set includes financial planning, retirement income and investment management, tax and Roth conversion planning, Social Security and Medicare planning, estate planning coordination, and business exit and surviving‑spouse planning.

The firm follows an intrinsic value–oriented investment philosophy and primarily invests in publicly traded equities, exchange‑traded and closed‑end funds, and fixed income, while noting it may take long or short positions and recommend alternative investments such as hedge funds, private equity, and real estate; investment programs are implemented via discretionary and non‑discretionary separately managed accounts with a generally long‑term horizon. Portfolios are tailored to client objectives and the brochure describes active techniques the firm may employ — including hedging, derivatives, short selling, and opportunistic shifts among sectors — together with coordination with clients’ tax and legal advisers.

What is distinctive relative to many peers is the firm’s explicit offering of research and consulting services — private and public fund due diligence, manager selection, portfolio construction, and risk management — and its work for related institutional‑type clients such as trusts, estates, and business entities. The brochure also documents the firm’s engagement with industry seminars and conferences as part of its research and client‑education activities, a set of capabilities that is less common among similarly sized independent advisers.