Semaphore Investments

Semaphore Investments provides general financial planning and, when active, non‑discretionary management and advice to individuals, corporations, and profit‑sharing plans, though the firm currently does not manage client assets. It typically bills by hourly rates and fixed meeting fees that are negotiated and disclosed up front rather than using a percentage‑of‑assets fee model.

The firm describes a mosaic research approach that draws on company reports, SEC filings, and business media and can invest in exchange‑listed and over‑the‑counter securities, mutual funds, certificates of deposit, commercial paper, and U.S. government securities; it may hold overweight cash in periods of extreme equity valuation. Semaphore does not charge performance‑based fees, does not maintain custody of client assets, generally operates without discretionary authority, and uses end‑of‑day average pricing when personnel invest in the same securities as clients.

What is distinctive is the principal’s range of industry licenses and affiliated businesses: the adviser is also a registered representative of a broker‑dealer, holds state real‑estate and insurance broker licenses, and has ownership interests in separate insurance and tax/accounting entities (with tax services provided by a licensed tax preparer rather than a CPA). Those affiliations, combined with the hourly/fixed fee billing and the absence of a percentage‑of‑AUM fee structure, are notable operational features that the firm discloses and manages for potential conflicts of interest.