Graver Capital Management, LLC

Graver Capital Management provides wealth management services — combining financial planning and discretionary investment management — to individuals, high net worth individuals, trusts, and estates. The firm is SEC-registered and manages roughly $153.5 million on a discretionary basis, offering portfolio construction, ongoing supervision, and referrals to outside specialists when appropriate.

The advisor typically builds customized, long-term oriented portfolios using low-cost mutual funds and ETFs and may incorporate individual equities and alternative investments to meet client needs; it uses both fundamental and technical analysis and will trade shorter-term when required for rebalancing or client circumstances. Graver Capital documents client investment objectives and risk tolerances, allows reasonable client-imposed restrictions, and monitors accounts regularly with formal reviews at least annually.

Among features that distinguish the firm from many peers, Graver Capital employs borrowing within separately managed accounts — a capability that is uncommon among similar supported firms — and retains operational arrangements that can affect implementation, including an institutional relationship with a custodian that provides technology and operational support. The firm also discloses that certain advisory personnel maintain broker-dealer and insurance licenses and may earn separate, commission-based compensation for those activities, which the firm identifies as potential conflicts and addresses in its disclosures and policies.