Octo Capital, LLC

Octo Capital provides ongoing investment advisory, portfolio management, financial planning, and consulting services for individuals and families, and also works with ERISA retirement plans, trusts, foundations, estates, business entities, qualified plan sponsors, and charitable organizations. The brochure explicitly notes charitable and nonprofit clients among its served segments in addition to typical individual and retirement-plan relationships.

The firm’s investment approach is long‑term and grounded in Modern Portfolio Theory and an assumption of broadly efficient markets, favoring diversified allocations implemented primarily with open‑end mutual funds and ETFs (including access to Dimensional Fund Advisors strategies). Portfolios are managed on a discretionary basis under an investment policy statement, with ongoing monitoring, rebalancing, occasional tax‑loss harvesting recommendations, and use of portfolio analysis tools such as Monte Carlo simulations; cash is treated as a formal asset class and small cash positions are routinely maintained.

Octo Capital’s business model includes some features that differ from many peers: it generally offers a negotiated, fixed annual advisory fee for combined investment and financial advisory services rather than relying solely on asset‑based billing, and it requires custody through a single institutional custodian with access to DFA funds. The firm’s principal is also a licensed life insurance agent and owner of an insurance agency and may, on occasion, assist clients with annuity or life‑insurance purchases (with commissions disclosed), a potential conflict the brochure highlights alongside the firm’s work with charitable and ERISA plan clients.