Investment Capital Advisors

The firm provides fee-based investment advisory and financial planning services to individuals, trusts, estates and charitable organizations, managing portfolios on a discretionary or non‑discretionary basis. Like many independent advisors, it charges asset‑based fees and delivers portfolio management tailored to client objectives, but it currently offers accounts through a wrap fee program that bundles execution costs into the management fee.

The firm emphasizes a strategic asset allocation approach intended to reduce risk and improve performance, employing fundamental, technical and cyclical analysis and using instruments that include mutual funds, municipal securities, options and indexed insurance products. Accounts are primarily managed for the long term with a focus on income and dividend-producing investments, and the sole advisor monitors client accounts on an ongoing basis.

Noteworthy differentiators include an unusually high client load for a solo practitioner (the brochure lists more than 370 client relationships) and the firm’s role as sponsor of its own wrap fee program, which it operates without third‑party asset managers and retains in full. The adviser is affiliated with an insurance agency and a tax/accounting practice and holds Enrolled Agent and advanced IRA credentials, which the brochure discloses as creating cross‑service opportunities and potential conflicts that are communicated to clients.