Saposh & Malter, Inc.

Saposh & Malter, Inc. serves a small roster of individual clients, small businesses, retirement plans, trusts and estates, providing discretionary portfolio management and financial planning; the firm also offers standalone, hourly financial planning and a third‑party client portal (eMoney) for consolidated, read‑only account aggregation. With modest total assets under management and only two advisors, the firm’s client base is small compared with many peers in the supported category.

The firm’s investment approach emphasizes strategic and tactical asset allocation informed by computer models and a range of third‑party research providers, and it uses both active and passive strategies—primarily no‑load mutual funds and ETFs, with occasional individual securities and the selective use of separate account managers. Portfolios are reviewed at least quarterly, invest almost exclusively in pooled vehicles, and the adviser may recommend SAMs while monitoring their performance and including SAM‑managed assets in the client’s overall account calculations.

Noteworthy differentiators include that one principal maintains an active CPA practice and prepares client tax returns (approximately 25% of his time) and holds a New York life and health insurance license, and the firm does not vote proxies for client securities, sending proxy materials directly to clients instead. The firm also commonly recommends custody via an institutional custodian and discloses that SAM fees, when used, are charged separately from the adviser’s fees though SAM assets are counted in the firm’s AUM calculations.