IRM Management is a registered investment advisor based in Ridgefield, Connecticut, founded in 2026 and led by Timothy O McMullan. The firm specializes in ongoing portfolio management, creating customized investment plans tailored to each client's specific goals, risk tolerance, time horizon, and personal values. IRM Management builds individualized investment strategies using mutual funds, exchange-traded funds, fixed income securities, and equities, while also utilizing options trading when appropriate. The firm operates with the authority to make trades on behalf of clients without asking first, ensuring investment decisions align with each client's unique financial situation. IRM Management evaluates each client's current holdings and constructs an investment policy statement to guide portfolio selection, monitoring accounts quarterly to ensure ongoing alignment with stated objectives. Clients are required to keep their assets with Charles Schwab & Co., Inc. for custody and execution.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.25% |
Fees are generally negotiable and memorialized in the client's advisory agreement.