American Capital Management has been in business since 1982 and provides comprehensive portfolio management, asset management, financial planning, and consultations, alongside referrals to third-party money managers. The firm offers two in-house portfolio management programs: the Allocation Perspectives Portfolio, which invests mainly in no-transaction-fee mutual funds, and the Allocation Insights Portfolio, which utilizes nonproprietary model portfolios based on risk tolerance. Additionally, American Capital Management works with several third-party money managers to provide specialized investment strategies. Financial planning services are also available to help clients with retirement planning, personal savings, education funding, and overall financial organization. American Capital Management tailors its services to individual client needs after conducting a thorough interview regarding time horizons, goals, and risk preferences.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 2.00% |
| $100K - $500K | 1.50% |
| $500K - $1.0M | 1.25% |
| $1.0M - $2.0M | 1.00% |
| $2.0M - $5.0M | 0.75% |
| $5M+ | 0.50% |
Schedule reflects the Allocation Perspectives Portfolio. The Allocation Insights Portfolio has a separate fee schedule starting at 1.75% for accounts between $50,001 and $750,000 down to 1.00% for accounts over $2,000,001, plus a quarterly 0.035% asset fee. Third-party program fees range up to 2.6%.