P
Protected Capital Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$19,858,896
Clients
54
11% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
54
TypicalAverage account size
$367,757
About
Protected Capital Management manages retirement and taxable accounts for conservative pre‑retirees and retirees, including IRAs, Roth IRAs, SEPs, 401(k) rollovers, individual taxable accounts and family trusts. The firm operates on a fee‑only basis and provides discretionary portfolio management while not offering financial planning services.
Investment decisions use a multi‑factor approach that blends fundamental and technical analysis, adjusting allocations for valuation, profitability, market trends, interest rates, inflation and central bank actions with an emphasis on rising income, safety and consistent returns. Accounts are monitored daily and the firm generally favors low‑cost, commission‑free ETFs, reducing equity exposure when market indicators are unfavorable.
Compared with many peers, the firm places notable emphasis on written client communications and education: it distributes a narrative brochure by email or mail, provides detailed quarterly account reports, and its founder developed a Retirement Income Workshop aimed at senior investors. As a small adviser managing roughly $20 million for about 50 clients, the firm highlights hands‑on oversight and explicitly states it does not accept sales commissions, performance‑based fees or soft‑dollar arrangements.
Client services
Portfolio management
Newsletters or periodicals
Expertise
Retirement income strategy
Income planning
General retirement planning
Occupation focus
Retired
Demographic focus
Approaching retirement
Fee options
Under $200,000 - $200,000: 0.75% annually $200,000 - $400,000: 0.70% annually $400,000 - $1,000,000: 0.65% annually $1,000,000 - $2,000,000: 0.50% annually $2,000,000+: 0.40% annually
Fee-only: Fee-only, no commissions or other compensation received by PCM.
Main office location
Protected Capital Management
Meridian ID, United States
Number of offices
1
Most active in
Protected Capital Management has reported serving >5 clients in these states in the last 12 months.
California · Idaho
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")