Newport Beach, CA Office

Cutler Investment Counsel provides discretionary portfolio management and financial planning to individuals (including high‑net‑worth clients), corporate pension and profit‑sharing plans, foundations, endowments, and registered investment companies. The firm offers risk‑based “Lifestyle Portfolios,” a dividend‑focused Equity Income strategy, 401(k) and retirement plan consulting, model licensing, and occasional expert‑witness services.

Investment decisions are implemented through Cutler’s Lifestyle Portfolios and an Equity Income strategy that relies on screening for dividend history, credit quality, and market capitalization, with options for ESG pivots and direct indexing via independent managers. Cutler collects client investment guidelines, customizes portfolios where requested, and uses third‑party technology and some AI tools to support research, reporting, and account servicing while retaining portfolio oversight.

The firm’s brochure discloses several features that are less common among similar teams: Cutler acts as adviser to an affiliated mutual fund (DIVHX), provides portfolio management for investment companies and third‑party model licensing, and acknowledges the resulting conflicts of interest. The brochure also details Cutler’s use of referral and lead‑generation arrangements (including SmartAsset and Ramsey Solutions’ Smartvestor Pro) and its public distribution of fund prospectuses and performance information, reflecting marketing and distribution practices that distinguish it from many peers.