10th Street Capital

10th Street Capital provides ongoing discretionary portfolio management and financial planning to families, small business owners, and high-net-worth individuals, preparing written Investment Policy Statements to align portfolios with clients’ goals, time horizons, and risk tolerance. The firm also offers planning engagements on an hourly, fixed-fee, or retainer basis and includes insurance products, such as annuities, among the services it can recommend.

The firm primarily employs a passive approach, operating five model portfolios that use ETFs to represent nine asset classes and that are allocated using modern portfolio theory and clients’ risk-tolerance questionnaires; it may also use other securities for diversification and implements both long- and short-term trading when appropriate. Client risk profiles and investment guidelines are documented in written IPSs, and the adviser typically operates with discretionary trading authority to execute the agreed strategy.

A distinguishing feature is that the firm is structured as an insurance company and its adviser is a licensed insurance agent—an arrangement that is uncommon among independent advisory firms and that the brochure identifies as a potential conflict of interest to be managed through disclosure and review. The firm’s relatively small scale (about $8 million in discretionary assets and roughly 20 client accounts) together with its explicit use of insurance products and precious-metal ETFs in its investable universe sets it apart from many peers that focus exclusively on traditional mutual funds and broad-market ETFs.