Dirigo Investment Advisors, LLC

Dirigo Investment Advisors is a small, independent registered advisory firm that provides discretionary and non‑discretionary portfolio management and financial planning and consulting to individuals — including high‑net‑worth clients — as well as charitable organizations and endowments. The firm charges percentage‑of‑AUM advisory fees and uses model portfolios alongside tailored allocations and occasional fixed‑fee or hourly planning engagements.

The firm builds portfolios to match each client's stated objectives and risk tolerance, monitors accounts on an ongoing basis, and rebalances as market conditions or client circumstances change. Its disclosure notes that it may employ a range of strategies from long‑ and short‑term purchases to more active trading and explicitly discusses margin borrowing, short sales, and option writing — approaches that can increase leverage, complexity, and transaction costs.

Distinctive features include a principal with advanced accounting and finance credentials who also serves in corporate finance roles outside the advisory business, bringing accounting and operational experience not typical for most solo independent advisers. The brochure also highlights the firm’s willingness to use complex instruments and investment structures (including derivatives, warrants, limited‑partnership interests and real‑estate interests), a fee‑only model with complimentary planning for managed accounts, and the use of a small‑account custody option for smaller dollar relationships.