Southern Investment Management Collective LLC

Southern Investment Management Collective provides ongoing portfolio management and investment advice to individual and high-net-worth clients, preparing a written Investment Policy Statement for each client and tailoring portfolios to their goals, tax situation, time horizon, and documented risk tolerance. The firm offers both discretionary and non‑discretionary services and acknowledges its fiduciary obligations when advising retirement accounts.

SIMC’s investment process combines fundamental analysis, quantitative techniques, and modern portfolio theory to construct long‑term, asset‑allocated portfolios using mutual funds, ETFs, equities, fixed income, real estate funds (including REITs), TIPS, and non‑U.S. securities; it may employ model allocations while accommodating client‑imposed restrictions. Accounts are reviewed at least quarterly, and the firm documents and monitors risk tolerance and investment policy compliance as part of its ongoing management.

Operationally, the firm requires clients to custody assets at Schwab Institutional and describes access to Schwab’s institutional trading, custody, and research services as well as occasional soft‑dollar benefits and practice‑development support. The brochure also discloses some practices that differ from many peers — SIMC does not aggregate trades for multiple client accounts (which it notes can affect execution quality for certain trades) and maintains authorization to withdraw fees and standing transfer authority arrangements that constitute limited custody subject to SEC safeguards; the firm manages a relatively small client roster with the bulk of assets handled on a discretionary basis.