Retirement Capital Services LLC

The firm provides ongoing portfolio management and financial planning primarily for individual and high-net-worth clients, documenting each client's goals and risk tolerance in a written Investment Policy Statement. Services include discretionary portfolio management, periodic account reporting, and the selection or allocation of third‑party managers and alternative investment vehicles.

The firm's investment process draws on charting, fundamental, quantitative and modern‑portfolio analysis and employs both long‑ and short‑term trading techniques, including options strategies and short sales, alongside more typical vehicles such as mutual funds, ETFs and REITs. Accounts are managed on a discretionary basis, and the firm may allocate to private equity, hedge funds and other alternative investments while monitoring third‑party managers’ ongoing performance.

Distinctive features disclosed in the brochure include the advisor’s separate licensed insurance activity and an affiliation with another advisory firm, both noted as potential sources of conflicts of interest when insurance or outside services are recommended. The firm also requires use of Charles Schwab Advisor Services for custody, describes access to institutional services and potential soft‑dollar benefits tied to a $10 million custody threshold, and its deployment of complex strategies and alternative investments is notable given the firm’s modest assets under management.