Mercantile Investment Advisors

Mercantile Investment Advisors provides discretionary investment management to individuals (including high-net-worth households) and a range of institutional clients, using equities, fixed income, exchange-traded and mutual fund securities and cash instruments. The firm offers tailored portfolio services across account types such as IRAs, retirement plans, trusts, foundations, and pension plans, and operates on a fee-based, asset-under-management model.

Portfolios are constructed using a mix of fundamental and technical analysis, with asset allocations adjusted for individual risk profiles, tax considerations, and income needs; the firm documents reviews on a regular cadence (daily to quarterly) and typically executes trades through a recommended qualified custodian. The adviser assesses market opportunities without strict style or sector constraints and generally manages accounts on a discretionary basis with limited power of attorney for trade execution and fee deduction.

Compared with many peers, the firm issues periodic written communications to clients (in addition to custodian statements and an annual privacy notice) and the current ADV brochure, a practice that is relatively uncommon among similar firms. The firm also notes experience helping to launch and administer two proprietary mutual funds and offers referral-based fee reductions and occasional waivers of account minimums, distinguishing its operational and product background for a small advisory team.