There is no charge for an initial meeting or any subsequent meetings. If you’re willing to make time in your schedule to meet with us, then we’re happy to do the same for you.

We generally require that prospective clients have at least $100,000 to invest.

Our clients open an account at a brokerage firm (which is unaffiliated with ICR) that serves as the custodian of the assets. The custodian provides safekeeping of assets and brokerage services. This provides a system of checks and balances among ICR, our clients, and the custodian.

We place a high emphasis on liquidity. Our philosophy is that it’s your money and you should always be able to access it. For that reason, we avoid investment products with surrender penalties or extended lock-up periods. Generally, securities we recommend can be sold during market hours and the proceeds will be available within days. It should be noted, however, that the mutual funds we use are generally designed to be long-term investments and, as such, those funds may charge a short-term redemption fee for securities held less than 90 days.

We provide a number of additional services for our clients including, but not limited to, retirement income planning, charitable planning, and college savings; however, we do not charge for these additional services. Our only compensation comes from asset management, but we want to add value for our clients wherever we can.

Our clients tend to be corporate executives, healthcare and education professionals, business owners, and affluent retirees. They are a diverse group in many ways, but our clients share one common trait: they recognize that prudent investing is a serious responsibility. Our clients have chosen to outsource that responsibility to us because they want to devote their time to other activities and they recognize the benefit of professional guidance.