Investment Capital Management, Inc.

Investment Capital Management, Inc. serves individuals and high‑net‑worth individuals, managing roughly $6.0 million for about 53 clients primarily through discretionary management of mutual funds and variable annuity subaccounts. The firm also provides limited option recommendations and hourly consulting, and it commonly begins client relationships with brokerage purchases before entering into advisory contracts.

The firm’s investment work is grounded in trend analysis and technical tools — charts, moving averages, relative strength and market breadth — with the stated objective of reducing downside risk during declining markets and participating in appreciation during rising markets. Investment Capital does not attempt to value securities intrinsically, and it generally does not exercise discretion over initial purchases, instead using a limited power of attorney to execute intra‑family fund or annuity exchanges after the advisory relationship begins.

Compared with many peers, the firm has identifiable ties to the insurance distribution channel: the principal is president of a licensed insurance agency, Your Money Matters, Inc., and certain associated persons are licensed insurance brokers who sell annuities to clients. The brochure also documents operational links to brokerage arrangements — fund and annuity subscriptions are effected through an agreement with TD Ameritrade and the firm notes that some client positions may be initiated by or through affiliates — and the principal operates a separate, nonregulated entity that provides complimentary future‑expense computations, a practice not commonly disclosed by firms of this size.