Oars Capital

Oars Capital, founded in 2012 by Marc Smith, offers investment and wealth management services to individuals, focusing on managing investment portfolios and providing financial planning services. The firm's advisory services are tailored to each client's investment objectives, with two primary strategies: an Asset Allocation Model using ETFs for diversified exposure and a Tactical Security Selection approach for active portfolio management. Oars charges a management fee based on a percentage of assets under management, with the highest annual fee capped at 1.50%. Clients have the right to terminate the advisory agreement within a 30-day notice period. Oars does not offer performance-based fees and primarily serves individual clients with no minimum account size requirement. The firm does not have custody of client assets, which are held at Charles Schwab. Oars exercises investment discretion over client accounts based on agreed-upon investment policies. The firm's investment strategies aim to balance returns with the risk of loss, with a focus on fundamental analysis and risk management. Oars has no disciplinary events, affiliations with financial institutions, or third-party referral arrangements. The firm's code of ethics emphasizes ethical conduct and conflict resolution, with a focus on preventing fraud and conflicts of interest. Oars reviews client portfolios regularly and does not vote on client securities. The firm has no financial conditions that would impair its ability to meet client commitments.