McDonald Capital Management, Inc.

McDonald Capital Management, Inc. is a two-advisor, fee-only registered investment adviser that provides personalized financial planning and discretionary investment management primarily to individuals and their families. The firm manages roughly $99.5 million for about 56 clients and offers planning services that include cash flow and tax planning, insurance review, education funding, retirement planning, and estate planning.

The firm’s investment process is grounded in fundamental security analysis and seeks to build broadly diversified equity portfolios focused on companies with demonstrated long-term profitability and growing dividends, using dividend income as a partial hedge against short-term market losses. McDonald Capital maintains discretionary trading authority under a limited power of attorney and conducts periodic portfolio reviews to align investments with client objectives.

What distinguishes the firm from many peers is its fee approach: it does not base advisory fees on a percentage of assets under management and does not accept commissions or performance-based fees, instead operating under a fixed annual retainer arrangement. Operationally, clients approve their custodian while the firm commonly recommends and participates in the Schwab Institutional program for custody services, and the firm maintains a business-continuity agreement with another advisory firm to address the death or incapacity of its principal.