Atwater Malick

Atwater Malick provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, retirement plans, trusts, estates, and business entities. Services are tailored to each client’s goals, time horizon, and documented risk tolerance in a signed Investment Policy Statement.

The firm’s investment process combines goal‑based, fundamental and cyclical analysis and generally follows a low‑turnover, buy‑and‑hold approach across individual equities, individual fixed income, indexed ETFs and cash equivalents. Financial planning and consulting cover areas such as retirement plan analysis, tax and college planning, and are commonly provided at no charge to clients who use the firm’s managed account services.

Atwater Malick manages roughly $687 million in discretionary assets with a small advisory team, yielding an AUM-per-advisor level that is statistically uncommon for peer team firms and reflects a concentrated advisor-to-assets ratio. The firm runs all asset management in‑house (does not employ third‑party managers), fees are assessed on cash/money‑market balances, and it uses Advyzon for fee valuation (which can produce values that differ from custodial statements); it also maintains custody relationships with multiple custodians.