Traynor Capital Management, operating as Cooperative Financial, is a registered investment advisor based in Malvern, Pennsylvania, managing billions in client assets. The firm provides discretionary and non-discretionary portfolio management tailored to each client's specific needs, risk tolerance, and investment timeline. Cooperative Financial builds customized portfolios using individual stocks across various market capitalizations, bonds, exchange-traded funds, and mutual funds, with a focus on transparency and direct equity ownership for tax efficiency. In addition to investment management, the firm offers financial planning services such as wealth transfer, retirement planning, and cash management, often included as a value-added service for portfolio management clients. Cooperative Financial also assists business owners with funding solutions through rollover business structures and provides corporate retirement plan consulting. The firm serves a diverse client base including individuals, high-net-worth clients, pensions, and charitable foundations.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.25% |
| $500K - $1.0M | 1.15% |
| $1.0M - $2.5M | 1.00% |
| $2.5M - $5.0M | 0.75% |
| $5M+ | 0.75% |
Fees are negotiable based on client objectives, related family accounts, total assets managed, and investment strategies employed. Fees for amounts over $5,000,000 are negotiable.