Huntington Woods, MI Office

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.