Fiduciary Capital, Inc.

Fiduciary Capital serves individual and high‑net‑worth clients by providing discretionary asset management and financial planning and consulting, with ongoing portfolio management tailored to individual accounts. The firm also coordinates estate‑planning services through a third‑party platform and offers Social Security optimization and related consulting through affiliated entities, while affiliated insurance services are available separately as outside business activities.

The firm’s investment approach emphasizes fundamental analysis and an actively managed, longer‑term strategy, with portfolios generally held for at least six to twelve months and adjusted to clients’ risk profiles. Fiduciary Capital typically manages accounts on a discretionary basis and requires custody on its recommended institutional platform; it is also transitioning some client relationships from referrals to third‑party money managers to direct management under the firm’s oversight.

Noteworthy operational features that distinguish the firm from many peers include significant affiliated business activity (a principal devotes a majority of his time to insurance sales through an affiliated agency), disclosed referral and compensation arrangements with a third‑party money manager, and participation in an institutional custodian program that provides soft‑dollar benefits. The firm also delegates proxy voting to clients, uses third‑party estate‑planning software for coordination, and discloses use of AI‑assisted tools for internal meeting transcription and analytics.