Which services would you like to learn more about?

Financial Planning

Portfolio Management


Financial Planning

North Capital will undertake a comprehensive financial review based upon your individual needs and goals, your personal risk profile, and any special circumstances related to your finances.

We collect information about your income and expenses, your investment portfolio and other assets, and your liabilities. We also ask you to complete a brief questionnaire that helps to establish your risk profile and identify other information that should be considered in our review. Throughout the review process we work with you to hone in on your investment goals and to establish an appropriate time horizon over which to achieve them.

Lifetime Financial Analysis Report

We use the information you provide to develop a Lifetime Financial Analysis Report, which is designed to analyze your financial position as it is expected to evolve over time. Our proprietary approach allows us to consider your assets, liabilities, income, and expenses on both a current and future basis. We evaluate the probability of achieving your objectives under different sets of assumptions, and consider scenarios that could adversely affect your goals.

Financial Review Document

After our analysis is complete, we will produce a document that delineates the results of our review and offers specific, actionable recommendations to help address your needs and meet your goals. The financial review will include our recommendations for your portfolio asset allocation and our advice about the tax efficiency of your investments. You may choose to implement the recommendations on your own, or North Capital can work with you to implement your investment plan.

Our approach: diversify broadly, choose appropriate investment vehicles, control costs and ensure tax efficiency.

Portfolio Management

North Capital's discretionary investment management service offers clients the benefits of diversification across a wide array of asset classes and risk factors, access to institutional investment managers, cost-effective implementation, and professional monitoring, reporting, and service.


We consider an expansive view of asset classes in our model allocations and diversify other risk exposures, such as geographic, fund, and manager risk. But diversification is not just about risk reduction; it’s about capturing opportunity. Investment research conducted over several decades suggests that the vast majority of returns available from investing can be captured through asset allocation. We incorporate this research into our portfolio construction process, maintaining strategic exposure to a broad array of asset classes and risk factors rather than attempting to pick winners and losers.

Our investment process is grounded in academic research and driven by enduring principles.

Research and Access

North Capital maintains an open architecture approach to identifying investments, which means that we are not tied to a proprietary platform or list of products. This independence ensures an alignment of interest with our clients. Open architecture means more options for investors. We search for persistent sources of long-term return rather than for managers with a “hot hand,” since today’s top performers often underperform in subsequent years. Our discretionary clients have access to a wide array of investment strategies and managers that are not available to self-directed investors, including access to Dimensional Funds and the Signal share classes of Vanguard Mutual Funds. As an independent investment advisor, North Capital does not charge and will not accept any brokerage commissions or trailers from advisory clients.

As an independent, fee-only investment advisory firm, North Capital does not charge and will not accept brokerage commissions from advisory clients.

Low Costs and Tax Efficiency

North Capital recognizes the dramatic impact that management fees, fund operating expenses, and taxes can have on the long-term, total return of an investment portfolio. Active management fees are often many times the cost of index funds or ETFs, yet most active managers perform worse than their benchmark index. North Capital always considers the impact of transaction costs, management fees, and other expenses in determining which investments to select. Low-cost, highly-diversified passive mutual funds and ETFs form the core of our model portfolios, which provide for systematic, cost-effective implementation of our clients’ investment strategies. The average expense ratio of our fixed income and equity model portfolios is 25% of the industry
average of 1.20%.

Monitoring, Reporting, and Service

We actively monitor and rebalance discretionary accounts to maintain exposures within predetermined risk guidelines. In addition, we work with our clients to seamlessly adjust strategic asset allocations as our clientsʼ risk profiles change. Discretionary clients receive comprehensive, quarterly performance and risk reporting on their portfolios, including a breakdown of asset class risk and detailed equity exposure reporting by style, sector, and geographic region. Current exposure reports are also available online through the North Capital Web Portal.

Portfolio Monitoring



Custom Advisory Services

North Capital is an investment management company with a singular focus: delivering customized investment solutions to meet your specific needs. The principals of North Capital have been helping individuals, families, corporations and institutional investors tackle their complex financial and investment problems for over thirty years.

Clients have unique goals, problems and constraints that require specialized attention and customized solutions. North Capital principals have worked with clients to meet a wide variety of needs, including asset valuation, distressed asset sales, interest rate and foreign currency hedging, initial and ongoing due diligence of private funds, analysis and due diligence of private investment opportunities and acquisitions, restricted stock hedging, hedging illiquid securities, development of investment policies and procedures, creation of domestic and international investment vehicles, and general investment consulting.

North Capital is a fiduciary with no bank or insurance company affiliation, and the principals of North Capital have over thirty years of trading and investment experience in global fixed income, equity and currency markets. North Capital maintains a network of professional relationships that stretches across the globe.

To learn more about how we can help you with your consulting needs, contact North Capital at (888) 625 7768 or send us your contact information and we would be happy to schedule a call with you.