Principium Investments LLC

Principium Investments is a fee-only, SEC-registered investment adviser that serves individuals (including high-net-worth clients), trusts, estates, charitable organizations, corporations and sponsor‑named retirement plans. The firm provides discretionary investment management, CFP-led financial planning, non‑legal estate and philanthropic planning, and consulting services, and it also acts as a 3(38) investment manager for employer-sponsored retirement plans.

The firm actively allocates client assets across six proprietary risk profiles and implements globally diversified strategies using ETFs, individual stocks and, when appropriate, mutual funds, with an emphasis on long-term risk management and a mix of technical and systems-based analysis. Principium manages both custodial and held-away accounts (such as 401(k)s and 529s), uses an order management system to implement model rebalancing, and monitors model portfolios for adjustments as market conditions change.

Notable distinctions include the combination of CFP-driven planning with formal ERISA 3(38) fiduciary plan management and the firm’s use of a broad set of fixed‑income exposures (including convertible bonds, preferred securities, derivative income options and private credit via ETFs). Principium is the successor to earlier advisory practices dating to 2003 and maintains a relatively small advisor team while managing a multi-hundred‑million dollar discretionary asset base, which the brochure notes can produce centralized model management and the potential for above‑average portfolio turnover with attendant tax considerations.