GEM Asset Management is a registered investment advisor based in Plymouth, Michigan, founded in 2001. The firm provides continuous investment management and personalized financial planning services, acting as a legally required fiduciary to place client interests first. GEM Asset Management primarily uses globally diversified target model portfolios focused on low-cost passive funds, while also utilizing factors such as size, value, and profitability. Clients can also use independent managers for specialized strategies or concentrated stock risk management. The firm offers standalone financial planning and coordinates brokerage and custody services primarily through Charles Schwab & Co.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $3.0M | 0.95% |
| $3M+ | 0.50% |
Fees are negotiable. Independent manager strategies carry separate fees ranging from 0.33% to 0.85%.