Protected Capital Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Protected Capital Management manages retirement and taxable accounts for conservative pre‑retirees and retirees, including IRAs, Roth IRAs, SEPs, 401(k) rollovers, individual taxable accounts and family trusts. The firm operates on a fee‑only basis and provides discretionary portfolio management while not offering financial planning services.
Investment decisions use a multi‑factor approach that blends fundamental and technical analysis, adjusting allocations for valuation, profitability, market trends, interest rates, inflation and central bank actions with an emphasis on rising income, safety and consistent returns. Accounts are monitored daily and the firm generally favors low‑cost, commission‑free ETFs, reducing equity exposure when market indicators are unfavorable.
Compared with many peers, the firm places notable emphasis on written client communications and education: it distributes a narrative brochure by email or mail, provides detailed quarterly account reports, and its founder developed a Retirement Income Workshop aimed at senior investors. As a small adviser managing roughly $20 million for about 50 clients, the firm highlights hands‑on oversight and explicitly states it does not accept sales commissions, performance‑based fees or soft‑dollar arrangements.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Under $200,000 - $200,000: 0.75% annually $200,000 - $400,000: 0.70% annually $400,000 - $1,000,000: 0.65% annually $1,000,000 - $2,000,000: 0.50% annually $2,000,000+: 0.40% annually
Fee-only: Fee-only, no commissions or other compensation received by PCM.
Main office
6225 N Meeker Place, Suite 120
Boise ID 83713
Advisors at this office
1
Most active in
California · Idaho
Also doing business as
Protected Capital Management · Smith Richard Deloy
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)