St. Germain Investment Management

St. Germain Investment Management, Inc. provides discretionary portfolio management and financial planning to a broad client base that includes individual investors, high net worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm manages approximately $3.1 billion in client assets and offers separately managed accounts, mutual fund/ETF model portfolios, and advisory services that are billed on a percentage-of-AUM basis.

The firm implements model-based asset allocation using both quantitative and qualitative analysis, emphasizing a long-term investment horizon and continuous monitoring of portfolios; strategies may include individual securities, municipal and corporate bonds, ETFs, mutual funds (including ESG options), and tailored deviations from models for client-specific tax or liquidity needs. St. Germain recommends custodians (primarily Charles Schwab, with some accounts on Capital Group), provides periodic market updates and quarterly commentary, and integrates personalized financial planning into its advisory relationship.

Several features distinguish St. Germain from many peers: it historically maintained an affiliated broker-dealer (St. Germain Securities) that withdrew its FINRA registration in December 2024 and was previously involved in an SEC settlement related to cash sweep revenue sharing, matters the brochure discloses and says the firm has addressed. The firm also describes that some advisory personnel are licensed insurance agents and the parent company arranges insurance processing (via an outside vendor, DPL), disclosing the related commission arrangements, and it operates at a relatively high client-to-advisor scale (roughly 5,979 clients and 26 advisors), with an established practice of issuing regular client commentaries.