Cobler Capital Management, LLC

The firm provides discretionary portfolio management and financial advice to individuals, trusts, estates, charitable organizations, and corporations, developing a personal investment policy through in-depth interviews and ongoing oversight. It manages approximately $184.9 million in discretionary assets across over 700 client accounts and charges asset-based advisory fees.

Investment decisions are guided primarily by fundamental analysis, with both long- and short-term holdings selected to match each client’s objectives and risk tolerance; the firm uses a broad mix of securities, including exchange-listed equities, fixed income, mutual funds, ETFs, variable annuities, and municipal securities, and generally does not recommend frequent trading. Accounts are reviewed at least annually and custody and fee-billing arrangements are conducted through a third-party custodian the firm recommends to clients.

Noteworthy features include an unusually high client-to-advisor ratio—more than 200 clients per advisor—which is uncommon for similar firms and could reflect a more standardized service model. The firm’s advisers are licensed insurance agents through an affiliated insurance group and the owner is registered as a broker-dealer representative, arrangements the brochure discloses as potential conflicts of interest because they allow for commission-based insurance or brokerage transactions; the firm also disclaims proxy-voting authority, leaving vote decisions to clients.