Madison, MS Office

Peregrine Investment Advisors provides discretionary portfolio management to individuals, trusts, estates, charitable organizations and corporate clients, including high‑net‑worth individuals, charging fees based on a percentage of assets under management. The firm operates with a four‑adviser team and a relatively small client roster, and it does not position itself as a provider of comprehensive financial planning, estate planning, or insurance services.

Its investment process emphasizes fundamental analysis and a long‑term purchase approach implemented primarily through mutual funds, exchange‑traded funds and individual equities, with portfolios reviewed on an ongoing basis. The firm treats cash as an asset class—routinely including cash balances in assets under management and maintaining a cash‑sweep practice that moves larger cash balances into higher‑yielding money‑market funds—a practice that affects both portfolio construction and fee treatment.

Distinctive features disclosed in the brochure include a principal who devotes roughly 20% of his time to separate administrative family‑office work, an explicit policy leaving proxy voting to clients rather than voting on their behalf, and a formal share‑class selection policy that seeks lower‑cost institutional classes but will opt for no‑transaction‑fee classes when transaction costs would be disproportionate. The firm typically recommends a single custodian (Schwab) and accepts non‑monetary support from custodians, arrangements it discloses as part of its brokerage and operational practices.