McLachlan Investment Services LLC

This firm provides investment supervisory services to individuals, small and medium businesses, trusts, pension plans, and non‑profit organizations, developing individualized Investment Policy Statements and managing portfolios on a discretionary basis. Like many independent advisers, it charges advisory fees based on a percentage of assets under management and allows clients to choose whether fees are deducted from accounts or billed directly.

The firm follows a long‑term, disciplined, strategic investing approach that emphasizes broad diversification and a buy‑and‑hold orientation, using both fundamental and quantitative analysis with occasional technical inputs. Portfolios are typically invested in ETFs and mutual funds (domestic and international) with the occasional use of covered calls, corporate debt, certificates of deposit, or other instruments, and managed accounts are reviewed monthly.

What is distinctive about the firm is its engagement with pension and profit‑sharing plans and provision of pension consulting and institutional portfolio management services, activities less commonly offered by solo independent advisers. It operates as a state‑registered adviser with documented block‑trading and trade‑error allocation policies, permits client‑imposed investment restrictions, and maintains an insurance producer license used only for analysis (without selling insurance or receiving commissions).