Cape Ann Capital, Inc.

Cape Ann Capital advises individuals (including high-net-worth clients), trusts, corporations, charities and qualified retirement plans, providing portfolio management primarily through actively managed mutual funds and ETFs and offering standalone financial planning for an additional fee. The firm also serves as an independent advisor for open‑architecture employer retirement plans and currently manages a small number of multi‑participant qualified plans alongside its individual accounts.

Portfolios are built to client‑selected long‑term asset allocation targets and are maintained within explicit tracking‑error limits; Cape Ann Capital uses a proprietary Buy List, a multi‑factor risk model and an optimizer to assemble model portfolios from blends of sub‑models (U.S. cash, U.S. bonds and global equities). The firm runs 14 model blends, monitors funds and client portfolios frequently, and operates with a high level of discretion over client accounts.

The firm’s most recent Form ADV disclosed several material changes, including an ownership restructuring effective March 31, 2026, updates to its Buy List and shifts in assets and portfolio counts, and the use of multiple custodians (with roughly 90% of AUM custodied at a single primary provider). Cape Ann Capital’s compliance practices are notable: its Code of Ethics requires employees to have their personal investments managed by the firm (prohibiting personal trading), and the firm emphasizes daily monitoring of every fund on its Buy List and periodic reconstitution of that list after nationwide fund reviews.