Rochester, NY Office

William Joseph Capital Management, Inc. provides investment advisory and financial planning services to individuals (including high‑net‑worth clients), charitable organizations, businesses, and retirement plans. The firm combines portfolio management and financial planning into wealth management engagements and also offers ERISA plan consulting and fee‑based insurance product services.

WJCM develops Investment Policy Statements and manages accounts on both discretionary and non‑discretionary bases, using custodians such as Schwab and conducting account reviews at least annually. The firm routinely incorporates third‑party models, sub‑advisors, and platform‑provided trading information — including an advisory program delivered through the AssetMark TAMP — while retaining supervisory oversight and discretionary authority over client accounts.

Noteworthy disclosures in the brochure include an affiliated insurance entity, William Joseph Insurance, LLC, which receives a 1% marketing override from The Producers Firm, and vendor relationships with AssetMark, DPL Financial Partners, and Johnstone Brokerage Services that provide marketing support, technology, and product comparison tools; the firm states these arrangements create conflicts of interest that it seeks to mitigate. WJCM also refers trust administration to Members Trust Company, which uses the trade name "William Joseph Trust Services" despite being unaffiliated, and reported roughly $694 million in discretionary assets under management as of January 1, 2026.