Maple Capital Management, Inc.

Maple Capital Management provides portfolio management, investment consulting, and financial planning to a mix of individual and institutional clients, reporting roughly $2.58 billion in regulatory assets under management and about 1,563 client relationships. The firm accepts a range of clients — including employee benefit plans, 401(k) plans, foundations, endowments, corporations, and insurance companies — and offers equity‑only, balanced, fixed‑income, cash management accounts and an account strategy specifically designed for insurance companies.

MCM constructs portfolios primarily using individual stocks and bonds selected through in‑house fundamental research and valuation discipline, while employing laddered maturity approaches for fixed income; mutual funds and ETFs are used for smaller accounts or sectors without internal research coverage, and the firm can delegate to sub‑advisors when appropriate. The firm generally manages accounts on a discretionary basis, documents objectives in investment policy statements, and also provides non‑discretionary advisory options and periodic performance reporting through third‑party vendors.

What distinguishes MCM among multi‑team advisers is its explicit focus on insurance‑related mandates — including insurance general operating funds included in assets under advisement — alongside an employee ownership program that gives key staff an economic stake in the firm. The brochure also discloses structured promotion and joint‑adviser arrangements and strategic marketing agreements (for example, agreements with Equity Services, Inc. and Cambridge Investment Research) under which MCM compensates promoters and lists on partner platforms, and it uses third‑party service providers for functions such as performance reporting and proxy services.