Ajay Agrawal

The firm provides fee-based discretionary investment management and qualified retirement plan consulting to entities such as plan sponsors, trusts, estates, charitable organizations, corporations, and high-net-worth individuals, and also offers financial planning. While it offers customary portfolio management across client types, its brochure emphasizes advisory work for retirement plans in addition to individual account management.

Investment decisions are guided by a tactical allocation approach intended to reduce risk and pursue improved performance, drawing on fundamental, technical and cyclical analysis and using a broad set of instruments, including equities, fixed income, mutual funds, options and foreign securities. For plan clients the firm assists with investment policy statements, provider evaluations and periodic written monitoring and recommendations, but does not serve as a 3(21) or 3(38) discretionary plan manager.

What is noteworthy relative to peers is the firm’s focus on qualified retirement plan consulting — a service relatively uncommon among similar investment-manager firms — together with the use of hourly billing for financial planning, which is also atypical. The brochure also discloses separate private investment and residential rental activities operated by the principal, which may give the firm additional exposure to private lending and real-estate interests outside its advisory practice.