Grey Private Capital

Grey Private Capital provides investment management, financial planning, and retirement plan management to a mix of individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporations. The fee-only firm manages roughly $8.8 million for about a dozen clients and does not impose a formal account minimum.

The firm typically constructs portfolios using passive, asset-allocation approaches informed by modern portfolio theory, while also employing fundamental, technical, and cyclical analysis as appropriate and engaging outside managers when needed; it generally manages accounts on a discretionary basis with quarterly reviews. Financial planning is offered both on an ongoing basis and as project-based engagements, and socially responsible investing options can be incorporated at a client’s request.

What is distinctive for an independent solo adviser is the firm’s provision of retirement plan management and pension consulting — including acting as an ERISA investment manager (3(38)) for employer plans — services that only about 13%–16% of peers offer. The firm also uses tailored fee arrangements (including negotiated retainers for complex, high-net-worth clients) and combines small‑firm, hands‑on oversight with access to institutional custodial platforms and outside-manager relationships.