Fern Capital Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Fern Capital serves individual and high‑net‑worth clients, providing discretionary portfolio management alongside investment consulting and qualified plan consulting. The firm manages roughly $71 million across a small number of client relationships and operates with a two‑advisor team.
Investment programs are implemented under client‑specific investment policy statements and rely primarily on fundamental analysis with an emphasis on earnings growth and investment‑grade, intermediate‑term fixed income; the firm has discretionary trading authority to execute its strategies. It also offers hourly consulting work that can include review of third‑party manager accounts, quarterly update calls, and attending client meetings with outside managers.
Notable operational features include a requirement that clients use a specific custodian (Charles Schwab & Co.), the firm’s receipt of soft‑dollar research benefits from brokers, and a practice of leaving proxy voting rights with clients rather than voting proxies for them. Supervision and compliance are centralized with the firm’s principal, and the combination of a small advisory team and a relatively concentrated client base produces a higher AUM‑per‑client profile than many peers.
Client services
Expertise
Fee options
$150,000 - $500,000: 1.00% $500,001 - $1,000,000: 0.85% $1,000,001 - $2,500,000: 0.75% $2,500,001 - $5,000,000: 0.65% $5,000,001 - $10,000,000: 0.50% Over $10,000,000+: Negotiable
$300 per hour for qualified plan consulting and investment consulting services; fees are negotiable
Account minimum: $150,000 Minimum fee: Minimum annual fee of $1,500, negotiable and may be waived by the firm at its discretion Fee-only: Asset management fees based on AUM tiers; qualified plan consulting and investment consulting charged at $300 per hour (negotiable)
Main office
See officeDearborn Heights MI
Advisors at this office
1
Offices (2)
Most active in
Michigan
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Anne N
CFA®, Series 63
Huntington Woods, MI
Fern Capital Inc.
Anne Nichols is a CFA® charterholder with 10 years of industry experience and has been with Fern Capital Inc. since 2016. She serves as a board member of the Eagle Capital Growth Fund. Fern Capital Inc. provides discretionary portfolio management and investment consulting services to individual and high-net-worth clients, managing approximately $71 million across a small client base with a focus on fundamental analysis emphasizing earnings growth and investment-grade fixed income.
Ina F
Series 63, Series 65
Dearborn Heights, MI
Fern Capital Inc.
Ina Fernandez is a financial advisor at Fern Capital Inc. with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Fern Capital since 2015. Fern Capital serves individual and high-net-worth clients by providing discretionary portfolio management, investment consulting, and qualified plan consulting. The firm manages approximately $71 million through a two-advisor team and employs client-specific investment policies focused on fundamental analysis, earnings growth, and investment-grade fixed income.
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