Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
- Pension Consulting Services
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Psi Capital Management Overview
PSI Capital Management is a Fee Only registered investment advisory firm headquartered in Lancaster, PA. The company has been in business since 2018 and specializes in providing investment advice. PSI Capital Management's service offerings include financial planning, portfolio management for individuals & small businesses, portfolio management for businesses or institutional clients, and pension consulting services. As a Fee Only firm, PSI Capital Management makes money solely from the fees paid by clients for their services. This means they do not receive any commissions or other forms of compensation for their advice, ensuring they are always acting in the best interests of their clients. With a focus on providing investment advice only, PSI Capital Management is committed to helping clients achieve their long-term financial goals. They offer a wide range of services tailored for individuals, small businesses, and institutional clients. Overall, PSI Capital Management is a trustworthy and reliable investment advisory firm that provides personalized advice and support to help clients achieve their financial objectives. They are dedicated to building long-term relationships with their clients and providing best-in-class investment solutions.
PSI Capital Management is a renowned firm that serves a variety of clients, ranging from individual investors to high net worth individuals and charitable organizations. They provide tailored investment solutions to clients, based on their unique financial goals and investment objectives. Regardless of the client's investment experience or financial background, the experienced team at PSI Capital Management provides personalized investment advice that aims to meet their specific needs. In terms of fee structures, PSI Capital Management offers a range of pricing models that are tailored to different investment services. For clients seeking wealth management services, the firm charges a percentage of the assets under management (AUM). Another pricing model available is an hourly fee structure for clients who require a more limited engagement or project-based services. Finally, for some services, PSI Capital Management offers fixed fees. The firm is transparent with their pricing, offering clients a clear breakdown of services and related costs. Overall, clients of PSI Capital Management can expect a range of fee structures that provide flexibility and transparency, enabling them to select the pricing model that best suits their investment needs.
Typical Clients, Fee Structures & Investment Minimum
According to the note in PSI Capital Management's Part 2 Brochure, the firm generally imposes a minimum portfolio size of $100,000 for investment management services and $200,000 for participation in the Program. This means that clients are required to invest at least $100,000 to use the firm's investment management services, while an investment of at least $200,000 is required to participate in the Program. However, for clients with portfolios less than $100,000, the firm offers its consulting services. The Part 2 Brochure does not mention any other information regarding investment minimums for PSI Capital Management.
How This Office Can Help Lemoyne, PA Residents
PSI Capital Management is a financial advising firm that assists clients in Lemoyne, PA with their financial planning needs. The firm understands that every client has unique financial goals, and works closely with them to develop personalized financial plans. PSI Capital Management provides a range of services, including retirement planning, investment management, tax planning, and estate planning. For residents of Lemoyne, PA, there are several financial situations that PSI Capital Management can assist with. Many individuals in the area are approaching retirement age and may be looking for guidance on how to best prepare for their future retirement. Others may be struggling with managing debt or developing a budget to help them meet their financial goals. Additionally, some clients may need assistance with tax planning, investing, or estate planning to ensure their financial future is secure. PSI Capital Management's knowledgeable advisors can provide guidance and support through all these situations and more.
Services Offered by Psi Capital Management
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Psi Capital Management most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
State Registrations
Psi Capital Management is registered to service clients in the following states:
- Florida
- Maryland
- North Carolina
- Pennsylvania
- Texas
- Virginia
Disciplinary History
Psi Capital Management does not have any disclosures. Please visit it's Form ADV for more details.