Carl Stuart Investment Advisor, Inc.

**Background:** Carl Stuart Investment Advisor, Inc. (CSIA) is a registered investment advisor with the U.S. Securities and Exchange Commission, established in December 1997 and registered with the SEC in May 1999. The firm is owned and operated by Carl Stuart, who serves as the President and Chief Compliance Officer. **Expertise:** CSIA specializes in offering investment advisory services to individuals, high-net-worth individuals, retirement plans, trusts, estates, charitable organizations, foundations, state and municipal government entities, and corporations. The firm acts as a fiduciary to its clients, upholding a duty of loyalty, fairness, and good faith. **Investment Strategy:** CSIA provides customized investment advisory solutions through personal client interaction, offering both discretionary and non-discretionary investment management services. The firm constructs investment portfolios using low-cost, diversified mutual funds and exchange-traded funds (ETFs) to achieve client goals. CSIA primarily focuses on long-term investment strategies but may make adjustments based on client objectives or market conditions. **Terms:** - **Minimum Initial Investment:** CSIA generally requires a minimum relationship size of $250,000. - **Fee Structure:** Investment advisory fees are based on a tiered schedule ranging from 0.75% to 1.50% of assets under management. - **Fiduciary:** CSIA serves as a fiduciary to clients, upholding a duty of loyalty, fairness, and good faith. - **Investment Discretion:** CSIA generally has discretion over the selection and amount of securities to be bought or sold in client accounts. - **Custody:** CSIA does not accept or maintain custody of client accounts, except for limited circumstances related to advisory fees and money movement authorization. **Advisory Business Description:** CSIA employs fundamental analysis to develop investment strategies, focusing on long-term investment goals while considering client risk tolerance and financial situation. The firm monitors client accounts regularly and conducts formal reviews at least annually. For more detailed information, clients can access the full Disclosure Brochure on the SEC's Investment Adviser Public Disclosure website or request a copy directly from CSIA.