Stern Capital Management, Inc.

Stern Capital Management, Inc. is an SEC-registered investment advisor established in 1996, specializing in providing fiduciary investment advisory services. The firm offers model asset allocation portfolios using mutual funds and ETFs, with discretionary or non-discretionary account management based on client objectives. Clients have ownership of securities, and the firm does not participate in wrap fee programs. Investment strategies include long-term purchases, short-term purchases, margin transactions, and asset allocation. The firm charges management fees ranging from 0.95% to 2.00% annually, deducted quarterly. Financial planning services are also offered, with fees ranging from $50 to $200 per hour or $500 to $5,000 fixed fee. The firm does not charge performance-based fees and does not vote proxies on behalf of clients. Clients have the option to direct brokerage services, with Charles Schwab Institutional recommended. The firm's management has no disciplinary events, and clients have access to quarterly reports and account reviews. The firm's President, Stuart M. Stern, holds an RFC designation and oversees all client accounts. Vice President Alan B. Stern also holds an RFC designation and assists in managing client accounts under Stuart's supervision. Both executives have clean records and are committed to providing fiduciary services.