Fern Capital Inc.

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Client assets under management

$71,000,000

Clients

33% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$1,577,778

About

Fern Capital serves individual and high‑net‑worth clients and manages approximately $71 million across about 45 accounts. The firm’s core offerings are discretionary portfolio management, supplemented by qualified plan consulting and hourly investment consulting engagements.

Investment programs are documented in written Investment Policy Statements and implemented using fundamental analysis with quantitative and technical overlays; the firm also selects investment‑grade, intermediate‑term fixed income for suitable accounts. Fern Capital accepts discretionary trading authority, performs at least quarterly account reviews, and does not delegate portfolio management to third‑party managers or act as custodian for client assets.

The firm is owned and operated by a CPA‑credentialed principal and operates with a small advisory team, providing an advocacy service that may include accompanying clients to meetings with third‑party managers. Operationally, the firm requires custody at a specified custodian (Charles Schwab), receives soft‑dollar research benefits from its broker‑dealer, and delegates proxy voting to clients rather than voting proxies on their behalf — practices that differ from many peers.

Client services

Portfolio management

Qualified plan and investment consulting services

Expertise

Active portfolio management

Fee options

Percentage

$150,000 - $500,000: 1.00% annually $500,001 - $1,000,000: 0.85% annually $1,000,001 - $2,500,000: 0.75% annually $2,500,001 - $5,000,000: 0.65% annually $5,000,001 - $10,000,000: 0.50% annually $10,000,001+: Negotiable

Project-based

Qualified plan consulting and investment consulting at $300 per hour (negotiable)

Other

Account minimum: $150,000 Minimum fee: $1,500 minimum annual fee, negotiable and may be waived Fee-only: Fee-based only, no commissions or performance-based fees

Main office location

Fern Capital Inc.

Dearborn Heights MI, United States

Number of offices

Most active in

Michigan

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 313-551-4349

Advisors at this firm

Anne N

CFA®, Series 63

Huntington Woods, MI

Fern Capital Inc.

Anne Nichols is a CFA® charterholder with nine years of industry experience, currently serving as an advisor at Fern Capital Inc. since 2016. She is a board member of the Eagle Capital Growth Fund, a closed-end fund. Fern Capital serves individual and high-net-worth clients, managing approximately $71 million across about 45 accounts. The firm provides discretionary portfolio management along with qualified plan consulting and hourly investment consulting, implementing investment programs through fundamental analysis combined with quantitative and technical overlays.

Active portfolio management

Ina F

Series 63, Series 65

Dearborn Heights, MI

Fern Capital Inc.

Ina Fernandez is a financial advisor at Fern Capital Inc. in Dearborn Heights, MI, holding Series 63 and Series 65 licenses with 10 years of industry experience. She has been with Fern Capital since 2015. Fern Capital serves individual and high-net-worth clients, managing approximately $71 million across about 45 accounts. The firm offers discretionary portfolio management alongside qualified plan consulting and hourly investment consulting, using a disciplined investment approach that includes written Investment Policy Statements and a combination of fundamental, quantitative, and technical analysis.

Active portfolio management

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