Simplify Investments

The firm provides portfolio management to private individuals, families, and small businesses, primarily using widely traded stocks, ETFs, and bonds. It conducts a complimentary initial interview and requires a client engagement agreement before taking on portfolio management, and it does not provide financial planning, tax, legal, or insurance services.

Investment decisions are driven by fundamental, value-oriented analysis that seeks companies trading below the firm’s conservative estimates of intrinsic value, complemented by low‑cost equity and bond ETFs; the firm concentrates client portfolios on roughly 10–20 core recommendations and typically makes only a few changes each quarter. Advice is non‑discretionary—the firm makes recommendations while clients execute trades—and accounts are reviewed at least quarterly with periodic written reports to clients.

A distinctive feature noted in the brochure is that the firm serves a material number of non‑U.S. clients, an uncommon characteristic among peers; the firm explicitly addresses currency risk and overseas investment considerations in its disclosures. The brochure also discloses that the principal limits portfolio management and research to about 25 hours per week because of other consulting activities, and the firm neither takes custody of client assets nor accepts proxy‑voting authority.