Maryland Capital Advisors, Inc. is an independent registered investment advisor based in Chester, Maryland, founded in 1997. The firm specializes in creating individualized, tax- and cost-efficient portfolios for individuals, families, retirement plans, corporations, trusts, estates, and charitable organizations. Using Modern Portfolio Theory and a passive investing approach, Maryland Capital Advisors designs globally diverse portfolios utilizing institutional-class mutual funds, exchange-traded funds, and individual fixed-income securities. The firm focuses on efficient markets and broad asset allocation rather than market timing or stock picking. Clients can choose to manage portfolios on a discretionary basis—allowing Maryland Capital Advisors to make trades without prior approval—or on a non-discretionary basis where clients approve each trade. In addition to investment management, the firm provides guidance on rolling over employer retirement plans into individual retirement accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $2.0M | 0.85% |
| $2.0M - $3.0M | 0.70% |
| $3.0M - $4.0M | 0.55% |
| $4.0M - $5.0M | 0.40% |
| $5.0M - $10.0M | 0.30% |
| $10.0M - $15.0M | 0.20% |
| $15M+ | 0.20% |
Fees are generally negotiable, and fees for amounts over $15 million are fully negotiable. Billed quarterly in advance.