Qmulate

Qmulate Capital is an independent registered investment adviser that serves individual clients (including high‑net‑worth individuals), small businesses and retirement plan sponsors; it reports roughly 31 client relationships and about $6 million in assets under management. The firm offers financial planning, financial coaching, educational workshops, investment consultation and portfolio management for individual investors and plan sponsors.

The firm’s investment approach is grounded in Modern Portfolio Theory with a buy‑and‑hold orientation, diversified allocations using mutual funds, ETFs, individual equities and fixed‑income instruments, and periodic rebalancing informed by fundamental, technical and cyclical analysis. Portfolio management is delivered on a non‑discretionary basis—clients retain approval authority over transactions—and the firm will also recommend or facilitate third‑party investment managers when a discretionary program is deemed appropriate.

What is distinctive about the firm is that its reported AUM is managed entirely under non‑discretionary agreements, a setup that limits trade aggregation and requires client pre‑approval for trades, which can affect execution and operational practices compared with discretionary peers. The firm also combines planning with a structured financial coaching program (defined meeting cadence and ongoing email support) and provides retirement plan sponsor services in a limited ERISA fiduciary capacity, features that are less common for similarly sized independent advisers.