Boz & Company LLC

Boz & Company LLC provides discretionary portfolio management and financial planning primarily to individual clients and small businesses, managing separate accounts across brokerage, retirement IRAs, commission‑free annuities, 529 education savings plans, and donor‑advised charitable accounts. The firm also advises and administers employer 401(k) plans—helping small business plan sponsors with plan setup, participant education, and non‑discretionary fiduciary tasks—and offers held‑away consultations for workplace retirement accounts.

The firm’s investment approach is grounded in Benjamin Graham–style value investing, using fundamental analysis and intrinsic‑value estimates to buy both high‑quality “franchise” businesses and lower‑quality “cheap‑and‑ugly” opportunities, with a secondary special‑situations sleeve (merger arbitrage, distressed, spin‑offs). Portfolios are generally concentrated (typically five to twenty positions), are managed across segmented account types with greater flexibility in non‑retirement accounts, and the adviser may employ margin, derivatives (options and futures), and short positions to hedge or implement specific strategies.

Compared with most independent solo advisers, Boz & Company’s mix of services is notable: it manages donor‑advised charitable accounts and provides employer/plan advisory and administration for small businesses in addition to individual portfolio management, and it offers portfolio management consistent with institutional‑style plan needs. The firm’s explicit use of borrowing and derivatives within separately managed accounts and an articulated merger‑arbitrage program are uncommon disclosures among peers and are highlighted in its risk discussions.