Ayrshire Capital Management LLC

The firm provides discretionary investment advisory services to individuals, trusts, estates, charitable organizations and pension/profit-sharing plans through separately managed accounts, overseeing roughly $285 million across about 111 client accounts. It generally requires a $1 million minimum for separately managed accounts (which may be waived) and, on occasion, offers financial advice unrelated to securities—such as long-range cash flow projections, real estate analysis, and private business advice—as an adjunct to its investment services.

Investment decisions are driven primarily by fundamental analysis, supplemented by technical indicators, charting and consideration of business cycles, with portfolios that can include equities, fixed income, publicly traded REITs, MLPs preferred securities, ETFs, mutual funds and private investment funds. The firm typically manages accounts on a discretionary basis, implements client-specific asset allocation, allows written client restrictions, and maintains a “special holdings” policy that excludes client-directed positions from fee calculations and management responsibility.

Noteworthy features relative to peers include a small advisory team managing a comparatively large asset base and negotiated fee flexibility for larger or legacy accounts arising from a predecessor relationship. The firm does not participate in wrap fee programs or soft-dollar arrangements, uses major custodians (Charles Schwab and Fidelity) for custody and clearing, and leaves proxy voting to clients rather than voting securities on their behalf.