Kate Capital Group

The firm provides discretionary investment management and financial planning to individuals, high‑net‑worth individuals, trusts and estates, charitable institutions, and small businesses, managing roughly $22.9 million across about 50 client relationships. It also offers targeted planning work and, separately from its advisory services, the firm’s principal is licensed to sell insurance products and may receive commissions for those sales (this activity is disclosed as distinct from the advisory services).

The firm’s investment approach emphasizes broad ETF allocations for equities, with U.S. Treasury securities and other cash equivalents used for fixed‑income and liquidity management, and the occasional use of insured, double tax‑free municipal bonds when appropriate. Portfolio construction relies on fundamental, sector, and cyclical analysis, employs a generally buy‑and‑hold equity posture with more tactical management of treasury maturities, and includes ongoing monitoring with typically semiannual client reviews and annual rebalancing.

Noteworthy operational features include a requirement that client accounts be custodied at a single custodian (Charles Schwab) and a policy of placing trades for client accounts individually rather than aggregating trades; the firm uses a randomized order for trade execution to address potential sequencing advantages. The firm is a recently established, single‑advisor independent RIA with no stated account minimum, the principal holds the CFP designation, and the advisory practice discloses the potential conflict that insurance recommendations by the principal may generate separate commission compensation.