To better our client’s lives, both financially and, in turn, personally, by thinking and investing differently.
Whom do we best serve?
Seasoned, accredited investors looking to protect and grow their wealth throughout all market cycles.
How does the client benefit from our different way of thinking and investing?
Thinking differently has led us to research and provide out-of-the-box financial tools providing clients with maximum control and freedom to shape their lives. In addition to more traditional investments, our solutions include:
Alternative Investments designed to mitigate large losses, saving years of time required to earn losses back.
Impact investments tailored to the investor’s values and designed to protect against downturns.
Fee-Only Insurance solutions that mitigate loss while offering tax-deferred growth, tax-free distributions, and a death benefit while remaining revocable without penalty.
Estate and Legacy Planning including the transfer of your family history and values through both the written word and guided family conversation.
Charitable Giving that remains self-directed, protected against downturns, tax-deferred and deductible, and fully revocable.
How We Do It
What is so special about private alternative investments (AI’s)?
Well researched and selected AI's have the ability to be productive in both bull and bear markets, in turn, saving the investor years of time required to make back losses. We are one of the few firms nationwide specializing in private AI’s. Read more about hedged investments here.
Why aren’t private AI’s more widely used by other wealth management firms?
Those using equity-based products don’t generally understand the intricacies, advantages and value of AI's for their clients. Instead, most firms prefer solutions offering greater market correlation, enabling them to utilize market behavior as the reason for poor performance. Also, the re-engineering process required to perform quality AI research while evolving a firm's back-office and staff, requires a multi-year evolution that most firms could likely not endure. Read more about hedged investments here.
What is the difference between public and private investments?
Public investments (PIs) including mutual funds, ETFs, and index funds are available to most every investor. Fees charged range from low to high (varies per fund), liquidity is typically daily, and PIs are generally correlated with the broader stock markets remaining unprotected from market swings.
Private investments require that investors qualify by having a defined net worth, offer monthly to quarterly liquidity and sometimes charge both annual and performance fees. Nonetheless, private funds attract the industry's strongest talent, have low correlation to the broader stock market, and utilize alternative strategies to remain protective and productive regardless of market direction.
There are pros and cons to each. We supplement private investments with public, to the degree each client wishes. Read more about private long/short funds here.
What is the value in your firm being a fee-only fiduciary?
We have been a registered fee-only advisory firm from our inception in 1997. Fees charged by fee-only firms grow only as their client accounts grow. They must also act as fiduciaries, meaning they must always prioritize their client’s best interests over their own. We chose this route because this is the only way we, as individuals, would choose to be served. Secondarily, the fiduciary standard is a legal requirement for individuals with CFPs, and for firms registered with either their respective state or the SEC, as we are.
What is the minimum investment amount required for a new client/couple/or entity?
Our minimum requirement is $1 million, as this amount enables us to create a diverse, defensive, and productive portfolio by diversifying through 8-10 separate managers. Most managers require a minimum investment of $100,000. Dollars are investable through both retirement and non-retirement accounts. We will be pleased to discuss exceptions and alternative solutions on a case by case basis. Read more about our portfolio design process here.
Do you have a question not listed here? We want to hear from you:
Let’s Have A Talk
If you’re looking for a safer, more reliable, more productive way to invest along with state-of-the-art tools for impact investing, insurance planning, estate planning and charitable giving, let’s have a talk.
*Past performance is not indicative of future results. Investors should be aware that “Alternative Investments” or hedge funds often engage in leverage, short-selling, arbitrage, hedging, derivatives, and other speculative investment practices that may increase investment loss. This message is not an offer to sell any interests of such funds. The disclosure document of such funds contains a complete description of the principal risk factors and fund expenses. Prior to investment, investors should carefully read the fund’s disclosure document to determine whether such investment is appropriate for them in light of their financial condition. These investments are proprietary and are available for prospective investors only through MCM Wealth LLC. Please see our Disclosure document.
At MCM Wealth, we specialize in planning and creating portfolios designed to perform regardless of the direction of the economy. We do this primarily via well researched alternative investments that are specifically chosen to be both defensive and productive in bull, bear and recessionary markets. We provide clients in the San Francisco Bay area with whole life financial planning services, private wealth management solutions, alternative portfolio management assistance, asset management, estate planning services, charitable giving solutions, impact investing options, and insurance planning services to business owners, ceo’s, dentists, doctors, entrepreneurs, executives, families, individuals, and impact investors in the San Francisco Bay area. We also serve clients in the Corte Madera, Fairfax, Greenbrae, Larkspur, Point Reyes, San Anselmo, Sausalito, and Stinson areas.
We were founded in 1997 and have offices in Novato California, a suburb San Francisco. We are dedicated to understanding our clients and then providing the highest level of research-based financial management, objectivity, performance, planning, service and communication. We select and offer best-of-breed financial managers in those wealth investment niches that we believe will best serve our clients. We are a fee-only practice, which means we act as a fiduciary for our clients. Our financial advice, financial services and financial solutions are designed to withstand the test of time. We look forward to learning more about you and how we may be of help. Below is a full list of services we offer: