Emeritus Investment Management, Inc.

Emeritus Investment Management serves individual and family clients (including high‑net‑worth households), family trusts, and a range of institutional and tax‑exempt accounts such as corporate and non‑profit retirement plans and charitable organizations. The firm provides discretionary portfolio management implemented primarily with no‑load mutual funds, and it includes ongoing financial planning as part of its fee‑only investment service while also offering hourly or project advisory engagements on retirement‑plan, insurance, divorce‑settlement and real‑property matters.

Portfolios are built around broad‑based diversification across asset classes and may include cash equivalents, domestic and international fixed income, large‑ and small‑company equities, value, emerging markets and real estate securities, using either active mutual‑fund blends or passive institutional funds (including Dimensional Fund Advisors). The firm emphasizes a long‑term, tax‑aware approach to rebalancing and trade decisions (including tax‑loss harvesting when appropriate) and manages client accounts on a discretionary basis.

Noteworthy characteristics for a small, single‑advisor practice include the integration of ongoing planning with investment management, the availability of targeted hourly consulting on non‑securities matters, and a proxy‑voting policy that has the firm vote client proxies by default (including ERISA accounts) unless clients reserve voting rights. The firm discloses an unrelated owner‑managed real‑estate entity that owns the office property and reports no commission income or soft‑dollar benefits from custodians.