Chapman & Chapman Advisors LLC

The firm provides portfolio advisory and financial planning services to individual clients (including high-net-worth individuals), pension and profit-sharing plans, and small businesses, managing about $145.6 million across roughly 268 client accounts with two advisors. Advisory services are offered on a non-discretionary basis and the principals also offer life insurance products as a separately disclosed activity.

Investment advice centers on diversified, asset-allocation portfolios built primarily from passive exchange-traded index funds, exchange-traded notes, and no-load institutional mutual funds across equity, fixed income, and alternative sectors, supplemented by fundamental analysis and long-term holding strategies. Uncommonly for peers its size, the firm does not manage client assets on a discretionary basis—transactions are implemented only with client approval.

Noteworthy features include a multi-generation firm heritage dating back to the 19th century and senior ownership with multiple advanced professional designations, and a clear policy to avoid individual options, futures, private placements, leveraged funds, derivatives, and direct real estate investments. Client assets are custodied at an independent broker-dealer, the firm instructs the custodian to debit advisory fees (constructive custody), and the firm does not vote proxies on clients’ behalf; principals devote roughly 10% of their time to insurance services.