Vital Investment Management LLC

The firm provides discretionary and non‑discretionary asset management and financial planning to individuals (including high‑net‑worth clients), as well as pension plans, corporations, and charitable organizations. Services include ongoing portfolio management, modular and written financial plans, an option for ongoing monthly financial planning, and pension consulting for plan design, monitoring, and reporting.

Investment strategy is primarily value‑oriented and long‑only, typically implemented with diversified ETFs and mutual funds and supplemented by tactical asset‑allocation models from Ned Davis Research; the firm may modestly increase cash positions when deemed appropriate and can use short‑term or margin strategies only at client request. Planning and analysis are integrated with third‑party tools such as eMoney and Holistiplan for scenario and tax analysis, and accounts are managed using a mix of firm models and client‑specific restrictions or mandates.

Noteworthy distinctions include the firm’s regular use of educational seminars and public workshops — offered both to the public and to employers or foundations — which it bills as impersonal education rather than individualized advice, an offering that is uncommon among comparable team firms. The firm also emphasizes pension consulting and participant education, uses a third‑party held‑away platform to advise on company retirement accounts without taking custody, and sometimes engages an external consultant (Foundations Financial Planning, LLC) for complex planning and tax analyses.