TCM Investment Management is a registered investment advisor based in Lawrence, New Jersey, founded in 2024 and wholly owned by Thomas Makowsky. The firm delivers two integrated services to individual clients: investment management and ongoing financial consulting. For portfolio management, TCM Investment Management builds diversified portfolios using individual stocks, exchange-traded funds, and mutual funds, tailored to each client's specific risk tolerance, time horizon, and financial goals. The investment management service is billed as a tiered percentage of the value of your portfolio. In addition, TCM Investment Management provides ongoing financial consulting covering budgeting, cash flow management, expense analysis, and savings strategies, which is billed as a flat monthly subscription fee. Clients automatically receive both services as an integrated package when working with the firm. All client accounts are held at Altruist Financial, serving as the qualified custodian, and the firm operates on a discretionary basis, meaning they make investment decisions on your behalf without prior consultation for each trade.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 0.75% |
| $100K - $250K | 0.65% |
| $250K - $500K | 0.55% |
| $500K - $750K | 0.45% |
| $750K - $1.0M | 0.35% |
| $1M+ | 0.25% |
Fees are negotiable. Billed monthly in arrears.