John Masters, CPA, PC

The firm provides investment advisory services and discretionary portfolio management for individual clients — including business owners, professionals, retired individuals, and family and friends — and also offers hourly, as‑requested advice on allocation and selling decisions. In addition to investment services, the firm practices as a licensed CPA and attorney and provides accounting, tax, estate and probate work to many clients, with some clients receiving both advisory and legal/accounting services.

The firm’s investment approach combines fundamental company analysis, technical sources and sector/country diversification, with an emphasis on dividend‑paying, turnaround or temporarily out‑of‑favor stocks that fit a client’s stated risk profile. While it generally avoids shorting and routine use of leverage or options, the adviser maintains margin capability for non‑retirement accounts and may, in limited cases, use options or borrowing in separately managed accounts to achieve specific portfolio objectives.

What is noteworthy relative to peers is the firm’s integration of CPA and attorney services with investment management, and the fact that many clients are served across those disciplines — an affiliation pattern that is uncommon among supported firms. The firm also differs from most peers in its client mix and scale: it manages a modest aggregate of client assets, primarily serves non‑high‑net‑worth individuals, and discloses occasional use of derivatives and borrowing in managed accounts rather than eschewing those tools entirely.