Investment Capital Management, Inc.

The firm provides investment advisory services to individual clients, including high‑net‑worth individuals, with a focus on managing mutual funds and variable annuity subaccounts and offering limited option strategies. It generally converts clients from an initial brokerage or subscription transaction into an advisory relationship and charges advisory fees based on assets under management.

The firm's investment process is driven by trend analysis, using technical indicators such as moving averages, relative strength and market breadth to guide model allocations with the aim of participating in rising markets and reducing exposure in downturns. It monitors and adjusts model assignments as conditions change, may effect same‑family fund or subaccount exchanges under a limited power of attorney, and uses options only on a constrained basis rather than recommending naked writing.

What is distinctive about the firm compared with many independent peers is that it maintains a related broker‑dealer and an affiliated insurance agency whose representatives sell annuities, and some associated persons hold insurance licenses — arrangements that are uncommon among independent advisers. The firm also operates a separate non‑compensated entity that performs retirement and college cost computations and offers time‑based consultations, a mix of services and affiliations atypical for a firm of this size.