Carmel, CA Office

No-Load Asset Management provides personalized financial planning and investment management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. Like many peers, the firm delivers ongoing portfolio management and periodic reporting and also offers limited-scope hourly planning engagements.

The firm uses a proprietary Passive Momentum Asset Allocation (PMAA) framework that allocates across passively managed index mutual funds and ETFs, using prior‑year momentum to inform equity exposure and employing global diversification to manage risk. Accounts are managed primarily on a discretionary basis, with quarterly written asset‑allocation summaries, continuous monitoring, and trade execution through discount custodians.

The firm is organized as a sole proprietorship with a single principal owner retaining supervisory responsibility, a structure that is less common among similar supported firms. Distinctive operational practices include a strict fee‑only model with no commissions accepted, a practice of leaving proxy voting to clients rather than voting on their behalf, a formal business‑continuity arrangement to address key‑person risk, and an information‑security program requiring third‑party password authentication.