West Chester, PA Office

Ridgewood Capital Management provides discretionary investment management and ongoing portfolio services to individual and high‑net‑worth clients, including allocations for variable annuity sub‑accounts and employer‑sponsored retirement plans. The firm manages roughly $39 million for about 80 clients and does not impose a formal account minimum.

The adviser documents client objectives and risk tolerances and uses a mix of fundamental, technical, charting and cyclical analysis to construct portfolios, with periodic reviews at least quarterly and authority to trade on a discretionary basis. Custody is maintained by third‑party custodians recommended by the firm, and the adviser commonly aggregates trades across client accounts and charges advisory fees as a percentage of assets under management.

What is distinctive about the firm is that a senior officer maintains an affiliated insurance agency and dedicates a substantial portion of time to that business, occasionally offering insurance products to clients for commission; those relationships are disclosed and managed as potential conflicts of interest. That insurance affiliation, combined with the firm’s hands‑on management of variable annuity and retirement‑plan allocations, differentiates it from most supported peers that do not have an affiliated insurance practice.