L. B. Eddy

The firm provides fee‑only investment management and occasional financial planning to individuals, trusts, pension and profit‑sharing plans, and charitable organizations, managing approximately $15.7 million across nine discretionary client accounts. Advisory fees are billed as a percentage of assets and the firm also offers hourly financial planning engagements billed upon completion.

Investment strategy emphasizes strategic asset allocation with a core‑and‑satellite approach and global diversification, using primarily no‑load or low‑load mutual funds and ETFs while employing stocks and bonds as appropriate; recommendations are limited to SEC‑registered securities and the firm does not participate in IPO allocations. Trading is conducted under limited trading authorization with qualified custodians (the firm commonly recommends Charles Schwab), and clients receive quarterly reviews and periodic written performance analyses.

What is most distinctive is that the firm is not accepting new clients and is actively transitioning existing client relationships to other advisors, indicating a wind‑down of new business while continuing to manage current accounts on a discretionary basis. The practice is long‑established, operates on a fee‑only basis without accepting commissions, and maintains formal policies for proxy voting, business continuity, information security, and bonding.