Civic Financial offers a comprehensive range of wealth management services, including discretionary investment management, financial planning, and retirement plan consulting. Civic Financial primarily constructs portfolios using exchange-traded funds, third-party model portfolios, individual equities, alternative investments, and cash alternatives. The firm emphasizes a long-term, strategic asset allocation approach tailored to each client's specific risk tolerance, time horizon, and tax situation. In addition to portfolio management, Civic Financial provides financial planning covering retirement income, cash flow, debt management, estate planning, insurance, education, risk management, and tax planning. The firm serves individuals, families, trusts, estates, business entities, and retirement plans, typically requiring a household minimum of $1,000,000 in assets under management.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.85% |
The annual management fee will not exceed 1.85% per year and is charged monthly in advance based on market value. Fees may be negotiated in the firm's sole discretion.