Gary M. Martinez

The firm primarily serves individual clients and also advises trusts, estates, pension and profit-sharing plans, and corporate accounts; it manages roughly $26.2 million across 88 client relationships and provides discretionary portfolio management along with financial planning services, including workplace retirement (401k) guidance. Financial planning engagements address retirement, education funding, estate, risk-management and tax planning, with implementation left to the client unless the firm manages the assets.

The firm’s investment process is based on fundamental research using sources such as annual reports, SEC filings, third‑party research and financial publications, and positions are implemented mainly with individual securities, ETFs, and mutual funds. While the firm generally favors long‑term holdings, it also uses occasional shorter‑term trading and may short individual positions or use inverse ETFs, which carries higher risk than typical buy‑and‑hold approaches.

A noteworthy aspect of the practice is that, in addition to investment advisory services, the firm offers insurance products — including fixed annuities, life insurance, and long‑term care — creating potential conflicts of interest although clients are not required to purchase these products and the brochure indicates only limited time is spent on insurance work. The firm operates as a sole practitioner who conducts all account reviews, does not vote client proxies (clients receive proxies directly), and relies on an independent qualified custodian for custody and trade execution.