Ponte Vedra Beach, FL A1 A North Office

MOS Capital, Inc. is an independent registered investment adviser that provides discretionary portfolio management and financial planning on a fee-only basis to individuals, trusts, endowments, foundations, corporations and other money management firms. The firm manages approximately $230 million with two primary advisors and serves both individual and high‑net‑worth clients, typically managing each account separately under a written investment policy statement.

MOS describes its management style as “Growth & Income,” emphasizing dividend‑paying large‑company stocks and investment‑grade bonds to pursue income production alongside capital appreciation. The firm applies a passive, mathematical discipline—using formulas and technical measures to generate timing and rebalancing signals—prefers long holding periods, and does not pursue small‑cap, futures, commodities, or other alternative strategies.

Noteworthy features include a small advisory team overseeing over $200 million in assets and a formal requirement that each account have a customized investment policy; MOS also waives financial planning fees for clients who engage the firm for asset management. Operationally, the firm is majority led by a founding partner in Florida while a relationship manager is based in Portland, OR; MOS operates as a fee‑only adviser without performance fees and typically custodies client assets at Fidelity, utilizing institutional research and platform services.