On Keel Capital is a registered investment advisor located in Mill Valley, California, owned and operated by Frederick H. Borden. The firm provides ongoing personalized financial planning and investment management services designed to help clients achieve total financial integration. On Keel Capital builds portfolios using strategic asset allocation based on peer-reviewed financial research, emphasizing diversification, low costs, tax efficiency, and the inclusion of environmental, social, and governance factors. Investment advice and trade execution are handled on a non-discretionary basis, meaning trades are placed only after receiving specific authorization from the client. The firm does not act as a custodian for client assets; instead, accounts are held at independent custodians such as Charles Schwab. On Keel Capital operates strictly on a fee-only basis, charging management fees based on the value of client assets or fixed fees for standalone planning projects, and receives no commissions or third-party kickbacks.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.00% |
On Keel Capital generally charges an annual fee of less than 1% of assets under management. Exact percentages are quoted per client and are fully negotiable. There is no minimum account size.