St. Germain Investment Management

St. Germain Investment Management, Inc. is a registered investment adviser based in Springfield, MA, established in August 2010. The firm specializes in providing discretionary investment management services for individuals, businesses, non-profit organizations, and institutional clients, as well as financial planning services. Their investment strategies are tailored to individual client goals, risk profiles, and financial circumstances, with a focus on long-term growth and asset allocation. The firm offers separately managed accounts, mutual fund/ETF managed portfolios, and wrap fee advisory programs. Fees are charged as a percentage of assets under management, with a tiered fee schedule ranging from 0.60% to 1.25%. St. Germain Investment Management, Inc. does not charge performance-based fees. The firm acts as a fiduciary, putting clients' interests first, and does not have any financial commitments that could impact client obligations. Clients have the option to grant discretionary authority for investment decisions, with the firm exercising discretion in line with client objectives. St. Germain Investment Management, Inc. does not have custody of client assets, which are held at qualified custodians like Charles Schwab or Capital Group. The firm's investment analysis incorporates macroeconomic assessments, fundamental and technical analysis, and risk management strategies. Overall, St. Germain Investment Management, Inc. aims to provide transparent, client-focused investment management services tailored to individual needs and long-term financial goals.