CAPE ANN FINANCIAL

Cape Ann Financial provides investment advice, portfolio management, and financial planning to individuals, trusts, and pension and profit‑sharing plans. The firm’s brochure reports approximately $14.5 million in assets under management across roughly forty‑eight accounts and lists services including retirement planning, education funding, stock option planning, and related financial planning matters.

The firm combines top‑down and bottom‑up analysis, using both fundamental and technical disciplines and regular monitoring of global macroeconomic and geopolitical conditions to form asset‑allocation and security selection decisions. Portfolios may include cash, equities, fixed income, certificates of deposit, fixed‑rate annuities and hedging instruments such as inverse ETFs and options; accounts are reviewed monthly (positions monitored daily) and a substantial portion of assets are managed on a non‑discretionary basis, so many clients retain trading authority.

A notable feature is that the firm’s principal is a licensed insurance agent who may receive commissions for insurance products, and the brochure discloses that advisory fees will not be charged on assets where a commission has been paid. The combination of predominantly non‑discretionary client relationships, active use of hedging vehicles and an insurance brokerage role (along with a prior commodity trading advisor registration the firm reserves the right to reinstate) distinguishes its service mix from many small independent advisory practices.