Synergy Capital Management, LLC

Synergy Capital Management provides fee-only financial planning and investment management to individuals, families, small businesses, pension and profit-sharing plans, trusts, estates and charitable organizations. Services include comprehensive financial planning (retirement, tax, estate and education planning), ongoing asset management, and limited-scope hourly engagements.

The firm manages portfolios under a documented investment policy using a core-and-satellite strategic asset-allocation approach that emphasizes passive index funds and ETFs as the core while selectively adding active funds or individual securities; permitted investments include mutual funds, ETFs, equities, fixed income and, when appropriate, options, futures or other strategies. It typically operates with discretionary trading authority under a limited power of attorney and delivers at least biannual account reviews and written updates.

Noteworthy distinctions include the firm’s small scale—managing roughly $1 million for a very small number of clients—which correlates with more individualized attention and negotiable fee arrangements, and its explicit inclusion of implementation services such as tax-preparation within advisory agreements along with a formal business-continuation agreement to address key-person events. The firm is strictly fee-only (no commissions), recommends discount custodians for custody, and the lead advisor holds professional credentials (CFP®, an MBA and CFA Program candidacy).