Defined Capital LLC

Defined Capital provides discretionary asset management, comprehensive financial planning (full plans, hourly consultations and ongoing planning), and retirement-plan consulting for individuals, high‑net‑worth clients, and plan sponsors. The firm also makes use of unified managed account/OPM programs and may engage sub‑advisors or third‑party strategists to implement model portfolios.

Portfolios are constructed around each client’s stated goals, time horizon and risk tolerance, with periodic reviews at least quarterly and flexibility to rebalance or trade when market conditions or client objectives change. For accounts using model strategies the firm employs overlay managers and offers optional tax‑aware services, including tax overlay management and tax‑loss harvesting, intended to preserve model risk/return characteristics while addressing taxable-event timing.

What is noteworthy relative to peers is the firm’s explicit retirement‑plan practice: it serves as a limited‑scope ERISA 3(21) fiduciary for 401(k), 403(b), pension and similar plans, providing IPS development, investment option monitoring and participant education — a capability less common among independent advisers. The firm’s principal also maintains an affiliated insurance practice and receives commissions from insurance sales; the brochure discloses this conflict of interest and describes mitigations and the client’s option to use other providers.