Octo Capital
Octo Capital
  • Home
  • Fees and Services
  • About
  • FAQ
  • Contact Us
  • Client Login
  • More
    • Home
    • Fees and Services
    • About
    • FAQ
    • Contact Us
    • Client Login
  • Home
  • Fees and Services
  • About
  • FAQ
  • Contact Us
  • Client Login

How It Works

The first step is getting to know you, your preferences, and your goals. Next, we tailor the services to what you need.

Financial Planning

Wherever your goals lead, we can help you reach them and ensure you're ready to embrace the next phase with confidence and ease.

  • We will help you organize all your finances to understand where you stand.
  • Then, we create and monitor a complete financial plan to provide a framework for quantifying financial decisions.
  • Provide proactive guidance on all financial matters, including decisions on claiming Social Security, pensions, portfolio withdrawals, required minimum distributions, tax saving strategies, insurance needs analysis, charitable distributions, healthcare, and estate planning.

Tax Planning

octo capital financial and tax planning located in Bingham Farms Michigan

While our clients are patriotic, they aren’t interested in paying more than their fair share in taxes.

  • We will review your tax return annually - working on reducing your tax liability now and in the future, including tax bracket management, adjusting tax withholding, Roth conversions, optimizing and coordinating income with tax-sensitive items (e.g., Medicare premiums and capital gains taxes)

Investment Management

Octo Capital, Daniel Shub Investment Management in Bingham Farms, Michigan

Our investment philosophy is grounded in Nobel Prize-winning academic research. The benefits for you: peace of mind and better odds of long-term investing success.

  • Acting in a Fiduciary capacity (i.e., in your best interest).
  • We will implement a tax-efficient, cost-effective investment strategy grounded in Nobel Prize-winning academic research using mutual funds and ETFs from Dimensional Fund Advisors (some of which are not available to retail investors).
  • Aligning your investments with your goals and risk profile to ensure you have the highest probability of achieving your goals.
  • Reviewing your portfolio, making adjustments as needed, such as rebalancing, tax loss harvesting, maximizing tax efficiency, and reducing costs.

More than financial planning and investment management

Concierge-level Service

Concierge-level Service

Concierge-level Service

Operating on a selective basis when taking on new clients to maintain a high service standard allows us to allocate more time to our clients' matters and promptly respond to your inquiries via phone, email, and web conference. Your request becomes our agenda.

Technology

Concierge-level Service

Concierge-level Service

View all of your assets in one place. We give you access to the latest technology to track all your investments. Your complete financial picture is there whenever needed, and the data is updated daily.

Fees

$4,000 - $10,000 per year per client relationship.

A recent industry study shows that the average investment advisory fee is 0.96%* annually. It means that the investor with a $2 million portfolio pays $19,200 annually to the advisor managing the investments ($3 mil. = $28,800 annually; $4 mil. = $38,400 annually; etc.). 


We know from experience that it does not cost a firm more to manage a portfolio of $4 million than a portfolio of $2 million. Why, then, should clients pay more to receive the same services?


We offer simple and transparent flat fee investment management. The amount generally ranges between $4,000 and $10,000 annually and is based on the complexity of your financial situation and the services we provide, not on your assets. ​


The difference between a typical 0.96% investment advisory fee and a flat annual retainer fee over a long period can be overwhelming. Suppose we assume a 7% return on a portfolio**. In that case, a 0.96% advisory fee can cost an investor with a $2,000,000 portfolio over $1,000,000 in lost returns over twenty years compared to a flat annual retainer fee of $8,000.

Flat-fee investment management in Bloomfield Hills, Michigan

Hypothetical example assuming 7% return on a $2 mil. portfolio 

0.96% advisory fee vs. $8,000 flat fee.

*2019 RIA Industry Study: Average Investment Advisory Fee is 0.96%. www riainabox com resources/2019-ria-industry-study-average-investment-advisory-fee-is-96-percent ** This is a hypothetical example. Actual results will vary.

Learn more about US

Copyright © 2023 Octo Capital - All Rights Reserved.

Octo Capital, LLC is a Registered Investment Advisor.

31600 Telegraph Road, Suite 200, Bingham Farms, MI 48025

Phone: 248-731-7729

  • Legal Stuff
  • Client Login
  • Secure File Upload