Bruce A.. Kraig Associates

The firm provides fee-based investment management to individual investors as well as corporate pension and profit-sharing plans, trusts, estates and small business retirement plans, managing assets for a small client base of roughly two dozen households with two advisors and approximately $31.8 million in assets under management. It offers ongoing portfolio supervision, periodic client-triggered reviews, and written quarterly reports that include performance, transaction explanations and commentary on market conditions.

Investment decisions are made using a top-down fundamental approach that favors mutual funds over individual stock selection, with an emphasis on diversification to mitigate unsystematic risk, active management of bond exposure, and the option to shift portions of portfolios to cash during market stress. The firm generally operates with discretionary authority for client accounts, monitors risk factors such as interest-rate and market risk, and provides tailored asset allocation based on individual risk tolerance and goals.

What is noteworthy is the firm’s small, long-standing practice model—operating since 1991 with a limited client roster and two advisors—which aligns it more with serving non‑high‑net‑worth individual clients rather than a larger HNW clientele. The firm does not accept commissions, generally does not take custody of client assets, and disclosed a resolved regulatory matter stemming from a 2023 examination concerning historical client account credentials that led to a consent order.