Middle Street Capital, LLC

Middle Street Capital provides ongoing portfolio management and advisory services to individuals, high-net-worth clients, charitable organizations, and pension and profit-sharing plans (including 401(k) plans). The firm documents client objectives and constraints in Investment Policy Statements and typically manages accounts on a discretionary basis across taxable and tax-advantaged accounts.

The firm follows an evidence-based, long-term investment approach grounded in Modern Portfolio Theory, emphasizing broad diversification through low-cost index funds and ETFs and avoiding systematic active security selection or frequent market timing. Portfolios are tailored to each client’s IPS and may employ tactical techniques such as tax-loss harvesting, asset location optimization, and the selective use of buffered or defined-outcome ETFs.

A distinguishing feature is the firm’s work with institutional-style retirement arrangements and the development of PensionOne, a turnkey Cash Balance Plan consulting and administration service that coordinates investment advice, an enrolled actuary, a third‑party administrator, a custodian, and a CPA. The firm notes that PensionOne currently operates as a business activity of the advisory and that a minority of advisor time is devoted to that service, while the firm is also transitioning to SEC registration.