Copiam Wealth Management provides ongoing investment advisory, portfolio management, and financial planning services to individuals, high-net-worth clients, businesses, and retirement plans. Founded in 2014 and led by Gregory M. Schmitz, the firm builds investment strategies on evidence-based academic research, such as Modern Portfolio Theory and the Fama-French multifactor model, focusing on factors like company size, valuation, profitability, and momentum while emphasizing global diversification. Copiam tailors portfolios to each client's specific goals, risk tolerance, and time horizon, utilizing low-cost, no-load mutual funds (such as those from Dimensional Fund Advisors) alongside stocks, bonds, and exchange-traded funds. Most services are provided on a discretionary basis, meaning the firm makes trades on the client's behalf without prior approval for each transaction. In addition to investment management, Copiam offers hourly and project-based financial planning. The firm also assists with retirement income planning and pension consulting, and the firm's principal operates as an independent insurance agent, offering insurance products separately from investment services.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.00% |
| $250K - $1.0M | 0.70% |
| $1.0M - $2.5M | 0.50% |
| $2.5M - $5.0M | 0.45% |
| $5.0M - $10.0M | 0.40% |
| $10M+ | 0.40% |
Fees for accounts over $10,000,000 are negotiable depending on client needs, complexity, and business case.