Lynn H. Orr Capital Management Group, Inc.

The firm manages approximately $93.17 million in discretionary assets for about 78 individual and high-net-worth clients and offers tailored portfolio management and investment advice across a wide range of instruments, including equities, bonds, mutual funds, ETFs, variable life and annuity products, options, and interests in real estate partnerships. It provides ongoing discretionary portfolio management and rollover guidance, with fees charged as a percentage of assets under management.

Investment decisions are implemented through asset-allocation models labeled Growth, Moderate, Conservative or Bond/Income and are adjusted as economic conditions change; accounts are reviewed at least quarterly and as needed for contributions, withdrawals, tax planning, or market events. The firm’s strategies can include sector-specific exposures and more active techniques — including options strategies, short positions, leveraged bond funds and use of margin — and clients are evaluated and must consent to additional risk characteristics before engaging in those strategies, with the option to impose written restrictions.

Noteworthy distinctions for a firm of this size include its routine use of options, short and leveraged positions and occasional leveraged bond funds — approaches that are less common among similarly supported advisers — and its practice of directing clients to maintain custody at a single qualified custodian (Charles Schwab Advisor Services), including routine directed brokerage and block trading. The firm also may effect third‑party wire transfers under a standing letter of authorization (creating limited custody for fee payment purposes) and does not participate in wrap fee programs or accept performance‑based fees.