Rochester, NY Office

Courier Capital, LLC provides investment advisory services to individuals (including high‑net‑worth clients), banking institutions, charitable endowments, and pension plans. Services described in the brochure include discretionary investment management (model portfolios and separately managed accounts), financial planning, retirement plan advisory and consulting, selection and oversight of third‑party managers, wrap‑fee program management, and access to alternative and private placement investments.

The firm generally tailors portfolios using an asset‑allocation approach based on a client profile and Investment Committee oversight, and it typically manages client assets on a discretionary basis while permitting reasonable client‑imposed restrictions. Courier emphasizes a structured due‑diligence and monitoring process for third‑party managers and fund selections and may include mutual funds, ETFs (including vehicles that use leverage or hedging), individual securities, and alternative investments in client portfolios.

Courier is wholly owned by Financial Institutions, Inc. and is affiliated with Five Star Bank and other related affiliates, an ownership and referral arrangement that the brochure identifies as a source of potential conflicts of interest and cross‑referrals. The firm also notes it does not offer proprietary mutual funds for retirement plan recommendations, discloses custodial and platform relationships (including Schwab/iRebal arrangements) that provide operational and research benefits, and serves ERISA plans in fiduciary roles, including as a 3(38) investment manager.