Frederick, MD Office

Flower City Capital provides discretionary portfolio management and financial planning primarily to individual and high‑net‑worth clients, overseeing roughly $445 million in assets across its client base. The firm typically documents each client’s goals and risk tolerance in an Investment Policy Statement and may use model portfolios while retaining the ability to negotiate or waive its stated $1,000,000 account minimum.

Its investment process combines fundamental, technical and quantitative analysis with elements of modern portfolio theory and a long‑term trading orientation; portfolios are reviewed at least quarterly and managed on a discretionary basis. Flower City Capital’s investing universe is broad and includes equities, fixed income, mutual funds and ETFs, real estate funds and REITs, private placements and venture capital funds, and commodities such as precious‑metal ETFs.

Flower City Capital is notable among similar team firms for its involvement with pooled investment vehicles: principals serve as managers of a private fund (Allens Creek Partners, LP), and the brochure discloses that the firm will recommend that fund to suitable clients and allocates limited‑supply investment opportunities among clients, which the firm identifies as a potential conflict of interest. The firm also discloses outsourced CFO and business transaction consulting offered by a principal and its use of institutional custody, research and other services from Charles Schwab, arrangements the brochure says may provide economic benefits to the adviser.