Inverlochy Capital

What Inverlochy Capital does

Inverlochy Capital is an independent, privately-held investment management firm operating in a dual-jurisdictional structure: Inverlochy Capital, Inc., registered with the U.S. Securities and Exchange Commission, and its affiliated Inverlochy Capital Ltd., registered with the Ontario Securities Commission. Founded in 2003 and headquartered in Bobcaygeon, Ontario, the firm provides discretionary and non-discretionary asset management, financial planning, and financial consulting services to high-net-worth individuals (executives, professionals, and small business owners) and to companies, particularly start-ups. The firm applies a fundamental value investment approach supplemented by evidence-based indexing principles, constructing concentrated portfolios of 20-60 securities with long holding periods and a 10% cash buffer discipline.

The business model is fee-based and recurring: clients are charged an annual fee of 1.20% of assets under management (reduced from 1.5% and negotiable), billed quarterly in arrears, with a $250,000 minimum account size that is waivable at the firm's discretion. Financial planning is bundled at no additional charge for managed-asset clients. Custody and trade execution are outsourced to Charles Schwab & Company, Inc. The firm employs 11-50 people and reaches clients through a consultative, direct-advisory sales motion supported by a Squarespace-hosted website, email, and phone contact — there is no proprietary technology platform, mobile app, API, or AI/ML component. Differentiation rests on the investment philosophy, personal wealth alignment of managers, and integrated financial planning rather than on technology or scale.

Name

Inverlochy Capital

Legal name

Inverlochy Capital, Inc.

Website

https://inverlochycapital.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Inverlochy Capital is a privately-held, dual SEC/OSC-registered investment management firm founded in 2003 that provides fee-based asset management, financial planning, and consulting services to high-net-worth individuals and small businesses in Canada and the United States.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Investment management
• Portfolio management
• Financial planning
• Wealth management
• Asset management

Headquarters

HQ city

Bobcaygeon

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Asset Management Fees: The firm charges an annual fee of 1.20% of assets under management, billed in arrears on a quarterly calendar basis, calculated based on the fair market value of the account as of the last business day of the billing period. This fee is negotiable. Financial planning services are included at no extra charge for clients with assets managed by the firm.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Inverlochy Capital is a private investment management firm that provides discretionary and non-discretionary asset management, comprehensive financial planning, and strategic financial consulting for small businesses. Services are delivered directly to high-net-worth individuals and select companies in Canada and the United States, with a minimum account size of $250,000 and custody provided through Charles Schwab.

Product overview

Inverlochy Capital offers a unified suite of wealth management and financial advisory services rather than a software product platform. The core offerings include Investment Management (discretionary and non-discretionary asset management with evidence-based investing), Financial Planning (retirement, estate, and tax planning), and Financial Consulting (strategic advisory for businesses). The firm operates as a traditional investment adviser registered with the SEC and Ontario Securities Commission, serving high-net-worth individuals with a minimum account requirement of $250,000. All services are delivered through direct client relationships, not through a technology platform with modules or add-ons.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Management Core wealth management service providing discretionary and non-discretionary asset management using a disciplined fundamental value approach and evidence-based investing. Includes diversified portfolio construction (typically 20–60 securities), continuous monitoring, risk management, and transparent fee structures based on assets under management. Targeted at high-net-worth individuals with a $250,000 minimum account size.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Charles Schwab & Company, Inc.coreTechnology or IntegrationCharles Schwab & Company, Inc. serves as the custodian for client assets and executes trades for the firm. The firm recommends clients establish accounts with Charles Schwab for custody purposes, though this recommendation creates a conflict of interest as they provide research, products, and tools to help manage business operations.
• Inverlochy Capital Ltd.OthersAn affiliated investment adviser based in Ontario, Canada, registered with the Ontario Securities Commission. The firm may recommend clients utilize the services of Inverlochy Capital Ltd., though this creates a conflict of interest due to increased revenue for the affiliate.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Clearstead Advisors: Larger independent investment consultancy serving HNW families, foundations, and institutions. Comparable in discretionary portfolio management and evidence-based philosophy, but operates at greater scale and institutional scope.
• Brown Brothers Harriman: Long-standing private investment bank and wealth manager offering investment advisory services to HNW clients globally. Comparable in fundamental value orientation and long-term client focus, but with substantially larger scale and broader service offerings.
• Plante Moran Financial Advisors: Registered investment adviser providing wealth management and financial planning to HNW clients and business owners. Comparable in financial planning + investment management integration, but operates as part of a larger professional services firm.

Direct peers

• Savant Capital Management: Fee-only independent RIA providing evidence-based wealth management and financial planning to HNW clients. Comparable in evidence-based investing, transparent AUM-based fees, and integrated financial planning offering.
• Fort Pitt Capital Group: Independent RIA offering tailored investment management and financial planning for HNW families. Comparable in fundamental value approach, personalized client service model, and integrated planning offering.
• Valeo Financial Advisors: Fee-only RIA providing evidence-based investment management and financial planning to HNW clients. Comparable in fiduciary advisory model, transparent fee structure, and portfolio management focus.
• Aristotle Capital Management: Boutique SEC-registered investment adviser providing fundamental value-driven equity portfolios to institutional and HNW clients. Comparable in value investing philosophy, evidence-based approach, and concentrated 20-60 security portfolio construction.
• Cardinal Capital Management: Independent Canadian investment manager serving HNW individuals with fundamental value strategies. Comparable in disciplined value approach, HNW client focus, and Canadian origin with US presence.
• Cypress Capital Management: Independent value-oriented investment manager offering discretionary portfolio management to HNW individuals and families. Comparable in fundamental value approach, smaller boutique scale, and cross-border Canadian/US capabilities.

Emerging players

• Charles Schwab Wealth Advisory: Schwab's in-house advisory offering that competes for the same HNW retail advisory clients, leveraging the same custodial relationship that Inverlochy Capital relies on. A meaningful competitive threat given brand recognition, technology investment, and lower fees.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Inverlochy Capital