Dendrite Capital, LLC

The firm provides wealth management, financial planning (financial plans are offered only to wealth management clients), and group retirement plan consulting to individuals, families, trusts, estates, small businesses, and qualified pension plans. Its client base includes both retail investors and employer-sponsored retirement plans, including pension and profit‑sharing arrangements.

Investment selection is grounded in modern portfolio theory with a focus on strategic asset allocation and ongoing portfolio monitoring; tactical market timing and sector rotation are generally avoided and accounts are typically managed on a discretionary basis. The firm operates on a fee‑only basis (it does not accept commissions or 12b‑1 fees), uses third‑party custodians including a digital broker‑dealer for brokerage accounts and a retirement plan custodian for plan assets, and may refer outside advisers to assist with planning without sharing in their advisory fees.

What is distinctive is the firm’s active provision of pension and profit‑sharing plan services and pension consulting — including plan selection, investment oversight, model portfolios, participant education, participant financial planning, and expense assessment — a service set uncommon among independent firms of this size. As a small, owner‑operated registered adviser whose principal holds an Accredited Investment Fiduciary (AIF) designation, the firm emphasizes fiduciary processes, provides a financial plan to wealth management clients at no additional charge, and maintains constructive custody when fees are deducted directly from client accounts.