Couillard Capital LLC

Couillard Capital provides discretionary and non‑discretionary asset management, retirement plan advisory and financial planning and consulting to individuals, high‑net‑worth clients, pension and profit‑sharing plans, and business entities. The firm documents client goals in an investment policy statement and delivers ongoing portfolio management as well as stand‑alone consultations on selected financial planning topics.

The firm’s investment process uses fundamental, technical, charting and cyclical analysis and implements strategies either under discretionary authority or with prior client approval, with account reviews performed at least quarterly and attention to rebalancing and tax‑loss opportunities. For employer plans, Couillard Capital acts as a limited‑scope ERISA 3(21) fiduciary, assisting with IPS development, qualified default investment option selection, participant education and periodic monitoring while excluding certain illiquid or employer‑sponsored assets from plan services.

Distinctive features include the advisor’s concurrent licensed insurance practice, disclosed as a separate source of commission compensation and managed through conflict‑of‑interest disclosures and procedures. The firm also emphasizes pension consulting (including negotiable, potentially flat‑fee arrangements for plan services), operates with a small, focused client base, does not sponsor wrap fee programs, and does not aggregate trades across client accounts.