St. Germain Investment Management provides personalized investment management and financial planning services for individuals, businesses, non-profit charitable organizations, and institutional clients. Founded originally in 1924, the firm builds customized portfolios using individual stocks, bonds, exchange-traded funds, and mutual funds tailored to each client's goals, time horizon, and risk tolerance. Portfolios are managed on a discretionary basis, meaning St. Germain Investment Management makes day-to-day trading decisions on your behalf. The firm also offers financial planning guidance covering budgeting, retirement income strategies, tax planning, risk management, and estate planning. St. Germain Investment Management primarily recommends Charles Schwab & Co. as the custodian for client accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.25% |
| $250K - $2.0M | 1.00% |
| $2.0M - $5.0M | 0.85% |
| $5M+ | 0.60% |
Fees are negotiable based on asset complexity, anticipated future assets, and account style. A minimum quarterly fee of $25 applies.