Frequently Asked Questions

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Do you offer fee-based financial planning services independent of asset management services?

Yes, at Longevity Capital Management LLC, we offer fee-based financial planning services that can be integrated or independent of our asset management services. Whether you're seeking comprehensive financial planning or assistance with specific financial goals or concerns, we provide personalized services to meet your needs. Our fee-based comprehensive financial planning services cover a wide range of financial aspects, including retirement planning, investment planning, tax planning, estate planning, insurance analysis, and more. We work closely with you to develop a holistic financial plan tailored to your unique circumstances, goals, and priorities. In addition, if you have specific financial issues or questions, such as Social Security claiming strategies or education planning, we offer fee-for-service options to address these needs. This allows you to access our expertise and guidance on a focused basis, without necessarily engaging in broader asset management services.

Our fee-based approach ensures transparency and alignment with your interests, as we are compensated directly for the advice and services we provide, rather than through commissions or hidden fees associated with product sales. If you're interested in exploring our fee-based financial planning services or have specific financial goals you'd like to discuss, we're here to assist you. Please feel free to reach out to us, and we'll be happy to schedule a consultation to discuss how we can help you achieve your financial objectives.

What is your minimum for asset management services?

Please speak to us regarding minimums, as it depends upon your level of services needed. In general, our minimum starts at $500,000 for custom asset management and $1 million for our Total Advisory Services which integrates your portfolio with financial planning services. With Total Advisory Services we track and monitor your portfolio to your financial plan as one total picture.

Do you have model investment portfolios?

At Longevity Capital Management LLC, we pride ourselves on offering personalized investment solutions tailored to each client's unique goals, risk tolerance, and time horizon. We recognize that every investor is different, with distinct financial objectives and preferences. As such, we reject the notion of using computer-generated models or generic, one-size-fits-all approaches to portfolio allocation.

Our commitment to active, attentive, and dynamic portfolio management means that we are constantly monitoring market conditions, evaluating investment opportunities, and adjusting portfolios accordingly. This approach allows us to seek out the best possible returns for our clients while actively managing downside risk. But before working with clients, we engage in a thorough discussion to understand their specific needs, objectives, and constraints. Based on this information, we custom-design a portfolio allocation that aligns with their goals and risk tolerance. This process involves selecting a mix of assets and securities that we believe will best achieve the desired outcomes while managing risk effectively. Further, we are transparent about the securities we own within each portfolio and are happy to provide detailed information about our investment selections. Additionally, we offer performance reviews to demonstrate how our portfolios have performed over time relative to our clients' expectations and broader market benchmarks.

If you're interested in learning more about our approach and how we can tailor our services to meet your needs, we would be delighted to discuss your requirements further and provide you with a sample portfolio allocation to demonstrate our investment strategy in action. Your financial success and satisfaction are our top priorities, and we look forward to the opportunity to work with you to achieve your investment objectives.


Past performance is no guarantee of future results.

What is your investment philosophy?

Our investment philosophy at Longevity Capital Management LLC is grounded in several key principles:

  1. Focus on High-Quality Investments:  We prioritize owning investments that demonstrate high quality, with strong fundamentals, reliable performance, and sound management.

  2. Diversification: We build diversified portfolios to spread risk across different assets and asset classes. This helps mitigate the impact of adverse events affecting any single investment.

  3. Long-Term Perspective: Our approach emphasizes long-term investing over short-term speculation. We are more interested in the fundamental value of investments rather than short-term market fluctuations.

  4. Active Research and Management: We engage in attentive, active research-based management, which means our investment decisions are based on thorough analysis rather than passive acceptance of market trends.

  5. Disciplined Asset Allocation: Our investment strategy adheres to a disciplined asset allocation policy that aligns with our clients' objectives and risk tolerance. We follow a structured approach to allocating assets based on individual circumstances.

  6. Opportunistic Approach: While we maintain a disciplined asset allocation policy, we also recognize that markets are not always efficient. Hence, when we identify market anomalies or opportunities, we adjust asset allocations to potentially benefit from these opportunities.

  7. Risk Management: We prioritize protecting assets against major downside risks, with a focus on risk management and capital preservation alongside potential growth.

Overall, our investment philosophy blends elements of fundamental analysis, risk management, and opportunistic strategies to build and manage portfolios for long-term growth and stability, while remaining adaptable to market conditions.

What are your fees?

We specialize in comprehensive financial planning and integrated portfolio management.  Planning services only typically costs $2,500-$5,000, depending upon the complexity of your situation. We usually spend 10-12 hours or more working with you to create a custom financial plan. Specialty fee-based services are available. 

Asset management fees vary by assets under our care, but at $1 million advisory fees are 1% and include comprehensive financial planning services. Please click Total Advisory Services for detailed information on our services and fees.

Are there additional fees for transactions, trades or fees for planning support?

Provided you meet our minimum requirements, our fees for are asset management are all-inclusive and there are no other costs, fees or expenses associated with your account unless there is an extraordinary situation where we may look outside the traditional investment arena in your planning support, such as with a non-advisory product including insurance or annuities.  Our fees and all compensation is totally transparent and will be disclosed in advance.

Do you manage for tax efficient strategies?

Yes, at Longevity Capital Management LLC, we prioritize tax efficiency in our investment management strategies. While we believe that investment decisions should not be solely driven by tax considerations, we recognize that taxes can significantly impact investment returns over time. Therefore, we are committed to implementing tax-efficient strategies to maximize after-tax returns for our clients.

Here are some ways we focus on tax efficiency in our investment management:

  1. Tax-Advantaged Income: We aim to generate as much tax-free or tax-reduced income as possible for our clients. This may involve investing in tax-advantaged accounts such as Roth IRAs or municipal bonds that offer tax-exempt interest income.

  2. Tax-Loss Harvesting: We actively seek opportunities to harvest tax losses within our clients' portfolios when it is sensible to do so. By selling investments at a loss and reinvesting in similar assets, we can offset capital gains and potentially reduce taxable income.

  3. Strategic Retirement Income Planning: We develop personalized retirement income strategies that are tax-efficient. This may include optimizing distributions from retirement accounts, considering the tax implications of different withdrawal strategies, and coordinating investment decisions with retirement income needs to minimize tax liabilities.

  4. Customized Portfolio Management: We manage portfolios on an individual and custom basis, taking into account each client's unique tax situation, investment goals, and risk tolerance. This tailored approach allows us to implement tax-efficient investment strategies that align with our clients' needs and preferences.

  5. Continuous Monitoring and Adjustment: We continuously monitor tax laws and regulations to stay informed about changes that may impact our clients' tax situations. We also regularly review and adjust investment portfolios to optimize tax efficiency based on evolving market conditions and tax considerations.

By integrating tax-efficient strategies into our investment management approach, we strive to help our clients achieve their financial goals while minimizing the impact of taxes on their investment returns. Our proactive and personalized approach to tax management ensures that we are always focused on maximizing after-tax wealth for our clients, regardless of their age or life stage.

How liquid is my portfolio?

Your portfolio at Longevity Capital Management LLC is designed with liquidity in mind, offering flexibility and accessibility to your invested assets. Here's a breakdown of the liquidity of your portfolio:

  1. Publicly Traded Investments: The majority of your portfolio consists of publicly traded mutual funds, ETFs (Exchange-Traded Funds), and individual securities. These assets are traded on public exchanges and can typically be bought or sold on any market day during regular trading hours. This provides you with high liquidity, allowing you to access your funds relatively quickly if needed.

  2. Market Liquidity: Since your portfolio primarily comprises publicly traded securities, their liquidity is tied to market conditions. While most investments can be liquidated promptly, it's important to acknowledge that market fluctuations may impact the value of your investments, potentially resulting in gains or losses when buying or selling.

  3. Exceptions for Accredited Investors: In some cases, there may be investments within your portfolio that are restricted to accredited investors. These investments may have specific liquidity terms or redemption requirements outlined in their offering documents. However, such investments are typically a smaller portion of the portfolio and would be discussed with you in detail.

  4. Communication on Liquidity Needs: It's crucial to maintain open communication with us regarding your liquidity needs. By understanding your financial goals and any potential short-term cash requirements, we can ensure that your portfolio is structured appropriately to meet your liquidity needs while still aligning with your long-term investment objectives.

  5. Transferability: Your portfolio can be moved to another financial institution as a "transfer in-kind" at any time. This means that your investments can be seamlessly transferred to another brokerage or advisory firm without the need to liquidate your holdings, providing you with flexibility and control over your assets.

  6. No Proprietary Investments: We do not include proprietary investments in your portfolio. Additionally, we generally avoid using restricted securities unless there is a specific discussion with you to address a particular situation, ensuring transparency and flexibility in managing your investments.

Overall, your portfolio is structured to offer liquidity and flexibility, allowing you to access your invested assets as needed while maintaining a diversified and tailored investment strategy. We remain committed to working closely with you to address your liquidity requirements and ensure that your portfolio remains aligned with your financial goals and objectives.

How often will my portfolio be reviewed and will my financial  plan be updated?

At Longevity Capital Management LLC, we are dedicated to providing proactive and transparent communication with our clients regarding their portfolios and financial plans. Here's how we handle portfolio reviews and updates:

  1. Portfolio Review Frequency: While we actively monitor and manage your portfolio on a daily basis, we understand the importance of regular portfolio reviews with you. We are flexible and will review your portfolio with you at any time upon your request. However, as a standard practice, most clients prefer quarterly conversations to discuss their portfolio performance, investment strategy, and any adjustments that may be necessary.

  2. Financial Plan Updates: Your financial plan is a dynamic plan that should evolve over time to reflect changes in your financial situation, goals, and market conditions. We are committed to keeping your financial plan up-to-date and relevant. We provide daily updates to market values on assets held with us, and we will update your financial plan as needed based on changes in your outside investments or personal circumstances.

  3. Communication Frequency: We understand that effective communication is essential for a successful client-advisor relationship. We proactively communicate with you on a regular basis about market conditions, portfolio allocations, and any relevant updates or insights. We primarily use emails to provide timely information, but we are also available for in-person, phone, or virtual meetings as needed.

  4. Performance Reporting: We provide quarterly portfolio performance reports to keep you informed about how your investments are performing relative to your goals and benchmarks. These reports include detailed information about your portfolio's performance, asset allocation, and investment returns.

  5. Comprehensive Annual Reviews: In addition to quarterly conversations, we conduct annual comprehensive portfolio reviews to discuss your overall financial picture, review your financial goals, and make any necessary adjustments to your investment strategy or financial plan.

Overall, our approach to portfolio reviews and financial plan updates is designed to ensure that you are informed, engaged, and confident in your investment strategy and financial plan. We are committed to providing personalized and proactive service to meet your individual needs and preferences.

What does it mean to be a fiduciary and why does it matter?

Being a fiduciary means having a legal and ethical obligation to act in the best interests of your clients. This duty of care and loyalty is one of the highest standards of care imposed by law, and it is a fundamental principle that governs the relationship between a financial advisor and their clients. Here's why being a fiduciary matters:

  1. Duty of Loyalty: As a fiduciary, the advisor must prioritize the interests of their clients above their own interests or those of their firm. This means avoiding conflicts of interest and ensuring that all recommendations and decisions are made with the client's best interests in mind.

  2. Duty of Care: Fiduciaries are held to a high standard of competence and diligence in providing financial advice and managing client assets. They must exercise a reasonable degree of skill, care, and prudence in their duties, taking into account the client's financial objectives, risk tolerance, and other relevant factors.

  3. Duty to Follow Client Instructions: Fiduciaries are obligated to follow the instructions of their clients, provided those instructions are lawful and within the scope of the advisor's expertise. This ensures that clients have control over their financial affairs and that the advisor acts in accordance with the client's wishes.

  4. Legal Obligation: Fiduciary duty is often enshrined in law or regulatory standards, requiring advisors to adhere to specific rules and guidelines to protect clients' interests. Violating fiduciary duty can result in legal consequences, including lawsuits and regulatory sanctions.

  5. Trust and Confidence: Acting as a fiduciary helps build trust and confidence between the advisor and their clients. Clients can feel reassured knowing that their advisor is legally bound to act in their best interests, fostering a stronger and more transparent relationship.

  6. Professional Standards: For professionals like Certified Financial Planner (CFP®) practitioners, being a fiduciary is not only a legal obligation but also a professional standard set by their certifying body. Adhering to fiduciary duty is essential for maintaining professional integrity and upholding the reputation of the financial planning profession.

In summary, being a fiduciary means putting the client's interests first, adhering to high ethical standards, and acting with integrity and transparency in all aspects of financial advice and asset management. This commitment to fiduciary duty is essential for building trust, ensuring client satisfaction, and upholding the highest standards of professionalism in the financial services industry.



What is a CFP and why is that important?

The Certified Financial Planner™ (CFP®) designation is a professional certification for financial planners conferred by the Certified Financial Planner Board of Standards, Inc. (CFP Board). Here's why the CFP® designation is important:

  1. Highest Standard for Financial Planners: The CFP® designation is widely recognized as one of the highest standards for financial planners globally. It demonstrates a comprehensive understanding of financial planning principles, ethics, and professionalism.

  2. Specialized Training: To earn the CFP® designation, individuals must complete extensive education and training requirements. This includes coursework in financial planning topics such as investment planning, retirement planning, tax planning, estate planning, and insurance planning.

  3. Comprehensive Financial Planning: CFP® professionals are trained to develop comprehensive, holistic financial plans tailored to their clients' individual needs and goals. They have the expertise to address various aspects of financial planning and provide strategic recommendations to help clients achieve their financial objectives.

  4. Adherence to Professional Standards: CFP® professionals are expected to adhere to the standards of professional conduct outlined in the CFP Board's "Standards of Professional Conduct" handbook. These standards emphasize integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence in serving clients' best interests.

  5. Code of Ethics: CFP® professionals are held to a strict code of ethics that requires them to act in the best interests of their clients at all times. This includes a duty of loyalty, a duty of care, and a commitment to disclosing conflicts of interest.

  6. Continuing Education and Ethics Requirements: To maintain the CFP® designation, professionals must fulfill ongoing continuing education requirements and adhere to the CFP Board's ethics standards. This ensures that CFP® professionals stay current with industry developments and uphold the highest standards of professionalism.

Overall, the CFP® designation signifies expertise, professionalism, and a commitment to ethical standards in financial planning. Working with a CFP® professional can provide clients with confidence and peace of mind knowing that they are receiving advice from a qualified and trustworthy advisor dedicated to helping them achieve their financial goals.

How will I track and monitor my account?

As a client of Longevity Capital Management LLC, tracking and monitoring your account is made convenient and accessible through various channels. Here's how you can stay informed about your account:

  1. Online Access via Charles Schwab: Your account will be custodied by Charles Schwab, whichs means you will have online access to your account 24/7 through the Charles Schwab platform. You can log in to your Charles Schwab account to view account details, balances, transactions, statements, and more.

  2. Personal Financial Website: Longevity Capital Management LLC provides you with a personalized financial website where you can track and monitor your account. This website serves as a central hub for accessing your total financial picture, including daily values of all accounts including those held elsewhere, as well as performance reporting, tax documents, monthly statements, and more.

  3. Tutorial and Assistance: Upon opening an account with Longevity Capital Management, you will receive a tutorial and hands-on assistance to navigate the client portal effectively. Our team will walk you through the features and functionalities of the personal financial website, ensuring that you are comfortable using it to monitor your total financial picture.

  4. Total Financial Picture: Through the personal financial website, you have the option to link outside accounts for comprehensive asset and liability monitoring. This feature allows you to consolidate all your financial accounts in one place, providing a holistic view of your financial situation. You can track spending, budgeting, and planning across multiple accounts for better financial management.

By leveraging online access via Charles Schwab and the personalized financial website provided by Longevity Capital Management LLC, you can easily track and monitor your account, access important financial documents, and stay informed about your overall financial health. Our team is dedicated to providing the necessary support and assistance to ensure that you have a seamless and convenient experience managing your investments and financial affairs.



How can I take distributions or withdrawals?

Taking distributions or withdrawals from your account with us is designed to be convenient and flexible. Here's how you can initiate distributions or withdrawals:

  1. Bank Linking for ACH Transfers: We will assist you in setting up your account to be linked to your bank or credit union for easy ACH (Automated Clearing House) transfers. This allows you to electronically transfer funds between your investment account and your bank account.

  2. Systematic Distributions: If you require regular income, such as monthly distributions, we can set up systematic distributions from your account to your linked bank account. This ensures a consistent stream of income according to your specified schedule.

  3. Periodic On-Demand Requests: Alternatively, you can request withdrawals from your account on an as-needed basis. These withdrawals can be initiated through our platform, and the funds will be transferred to your linked bank account.

  4. Processing Time: It's important to note that processing withdrawals may require liquidating shares or assets in your account. Depending on market conditions and liquidity, this process could take several days to complete. Therefore, we recommend advising us in advance of any major liquidity needs so that we can plan accordingly and execute necessary trades in a timely manner.

  5. Advance Planning: By communicating your liquidity needs in advance, we can ensure that your distributions or withdrawals are processed efficiently and that funds are available when needed. This proactive approach helps minimize delays and ensures a smooth transfer of funds.

Overall, we prioritize making distributions and withdrawals from your account as simple and hassle-free as possible. Whether you prefer systematic distributions or periodic on-demand requests, we are here to assist you every step of the way and ensure that your financial needs are met effectively.

How safe is my portfolio from cyber risks?

One of the advantages of working with a boutique firm like ours is that every team member will know you personally. We pride ourselves on establishing personalized relationships with each client. Our team members gets to know you personally, including your voice, personality, and account details. This personalized approach helps us recognize and prevent any unauthorized account activities. Of course, we also adhere to all federal requirements and rules for cyber protection and account security.  Your account is custodied by Charles Schwab, a leading brokerage firm known for its strong cybersecurity measures and resources. Charles Schwab invests heavily in cybersecurity technologies and protocols to safeguard client accounts and sensitive information. Click here to learn more.

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