JM Lotshaw Consulting

JM Lotshaw Consulting is an independent registered investment adviser that provides discretionary portfolio management and related advisory services primarily to high‑net‑worth individuals and families. The firm manages roughly $7.9 million across seven client relationships and generally requires a $250,000 minimum portfolio size, which it may waive in certain circumstances.

The principal brings more than fifty years of experience across commodities, futures, currencies, bonds and equities and combines fundamental and technical analysis to tailor strategies to each client’s objectives, risk tolerance, liquidity needs and time horizon. Advisory authority is exercised on a discretionary basis, and the firm emphasizes use of commission‑free or low‑expense products while declining soft‑dollar arrangements or other third‑party compensation.

Noteworthy features include the firm’s very small client roster and relatively high assets‑per‑client compared with many independent RIAs that focus on non‑HNW retail clients, reflecting a more concentrated, individualized approach to management. The firm uses Interactive Brokers as its primary custodian—providing direct access to a broad set of electronic markets and product types, including futures, currencies and crypto—and maintains limited constructive custody only to facilitate direct fee deduction.