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Welcome to Croak Capital
Your Trusted Fee-Based Financial Planner in Toledo, OH
Located in the heart of downtown Toledo, Croak Capital is your go-to partner for transparent and client-centric financial advising. As an independent Registered Investment Advisor (RIA) firm registered with the SEC, we redefine the traditional advising model to focus entirely on your financial success.
Why Choose Croak Capital?
Fee-Based Financial Advisors
Our dedication to a fee-based business model sets Croak Capital apart from other Toledo financial advisors. As fee-only advisers, we are not in the game of selling clients insurance-based products with expensive management fees and commissions. Instead, our fee is approximately 1% of household assets under management.
RIA Firm
As a Registered Investment Advisor, we are free from brokers and banks. This independence allows us to provide unbiased advice tailored to your needs. Unlike brokerage firms, we make portfolio adjustments through trades based on data-driven evidence and empirical research, not sales incentives.
Fiduciary Responsibility
Unlike broker-dealers and other types of money managers, we are a legal fiduciary. It is our legal obligation, not just our interest, to act only in our clients’ best interest when managing their wealth. Whether we provide advice on insurance planning, estate planning, retirement, investment solutions, or tax strategy; our clients have confidence in our credibility and trustworthiness.
Dynamic Investment Strategy
We are not a buy and hold investment firm. Our investment services are based in active investment management. We employ a dynamic, flexible strategy that adapts to market conditions. We don’t just buy stock or funds we think may do well. We construct data-driven portfolios, which are diversified by asset allocation and industry sectors. Each client’s portfolio is tailored to their financial goals and risk tolerance. When we say active, we mean it. Portfolios are adjusted every month based on rigorous research. This allows our clients to capture higher returns and avoid potential losses without timing the market.
Exclusive Access
Alongside active management, our clients gain access to private markets and investment solutions typically reserved for institutional investors. For high-net-worth individuals seeking unique opportunities, this includes hedge funds and alternative investments.
Customized Wealth Management
Every client receives a personalized wealth management plan, combining both investment and planning approaches. This holistic view provides practical insights into tax efficiency and risk mitigation, looking for strategic opportunities for cost reduction. We also dive into wealth flow strategies, how assets accumulate and a strategy for distribution.
Meet Our Team
Choosing Croak Capital means surrounding yourself with experts. Our team includes a Certified Financial Planner™, Certified Public Accountant, Chartered Financial Consultant, Accredited Wealth Management Advisor, Enrolled Agent, Chartered Life Underwriter, and a Professional Plan Consultant. With over 60 years of combined investment experience, we manage our portfolios in-house to keep costs low and ensure your assets are handled by those who share a fiduciary relationship with you.
Client Benefits
- Expert Advice: Our team shares over 60 years of combined investment experience.
- Cost-Effective Management: In-house portfolio management reduces costs and ensures assets are managed by experts who have a fiduciary duty to you.
- Personalized Service: Each client receives a custom investment portfolio tailored to their unique needs, whether it’s for high-yield income, tax-free income, liquidity, growth, or capital preservation.
How Our Strategy Works
We adopt a big-picture, holistic approach that integrates both investment and planning strategies. By setting clear objectives, aligning resources, and leveraging data-driven insights, we provide valuable tools and insights to drive your financial success. Our aim is to help you optimize your strategic wealth planning, ensuring that you have the best chance of reaching your financial goals.
Partner with Croak Capital
Experience unbiased, fee-based financial advisors at Croak Capital. By choosing Croak Capital, you’re not just getting a financial advisor; you’re gaining a dedicated partner committed to your financial well-being.
Let us know how our team of experts can provide you with the guidance and support you need to achieve financial success.