Cypress Asset Management, Inc.

Cypress Asset Management serves individuals, qualified retirement plans, trusts, foundations, not‑for‑profits and corporations with discretionary investment management, financial planning and participant‑directed retirement plan consulting. The firm works with clients to develop a written investment policy statement and implements portfolios using mutual funds, ETFs and, when appropriate, portfolios of individual fixed‑income securities.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes long‑term, asset‑class diversification implemented predominantly through low‑turnover, passively managed funds and ETFs, using tools such as Monte Carlo simulation to inform asset allocation. Cypress regularly relies on third‑party providers for implementation and operations — including Focus Partners Advisor Solutions for sub‑advisory and back‑office services, Dimensional Fund Advisors for fund implementation, and Betterment’s “Compass” platform for its automated digital service — and may engage AQR as an independent manager to manage portfolios of individual securities.

Noteworthy features include a layered outsourcing model that combines traditional discretionary management, managed fixed‑income accounts, and a branded automated advisory platform, as well as the explicit use of an independent manager (AQR) for certain client mandates. The firm does not accept authority to vote client proxies (clients retain proxy voting responsibility) and maintains a formal succession arrangement with a third‑party partner to support continuity of service.