Gramel Capital Management LLC

Gramel Capital Management serves individual investors as well as pension and profit‑sharing plans, corporations, trusts, estates and charitable organizations, offering financial planning (including tax, insurance, retirement and estate planning) alongside discretionary portfolio management using general securities, mutual funds, ETFs, government securities and options. Services include consultations, written financial plans and ongoing monitoring and adjustment of client portfolios.

The firm’s investment approach emphasizes fundamental security analysis and a generally conservative strategy tailored to each client’s financial situation, risk tolerance and time horizon, with regular reviews and periodic rebalancing. For exposure to alternative investments the advisor recommends and monitors third‑party money managers and discloses that it receives a portion of those managers’ fees, a referral arrangement that may present a conflict of interest.

Distinctive aspects noted in the brochure include the principal’s role as a licensed insurance agent who sells insurance products for commissions and dedicates part of his practice to that activity, and an international affiliation as a director of a Nigerian investment adviser that the firm highlights for clients interested in Nigeria. The firm also describes a small, relationship‑focused practice that generally trades infrequently, does not accept securities commissions, does not vote client proxies, and provides its Code of Ethics and disclosures on request.