BLACK CARD CIRCLE

Overview

Black Card Circle is an independent, owner-operated registered investment adviser organized as a limited liability company. The firm serves both individual and family clients as well as some institutional relationships, focusing on financial planning, portfolio management for individuals and small businesses, and pension consulting services. Investment activity centers on pooled public vehicles—mutual funds and other public funds—while the firm supplements portfolios with allocated exposure to real estate through third-party managers and insurance products such as annuities. Investment mandate appears conservative-to-moderate, driven by non-discretionary client mandates and a heavy reliance on mutual funds and model-based solutions. The firm charges a mix of percentage-of-AUM fees alongside hourly and fixed fees, indicating a combination of ongoing portfolio management and project-based planning engagements. Custody and execution are consolidated at Charles Schwab & Co., Inc., which aligns with the firm’s use of off-the-shelf managed products and third-party alternatives rather than complex in-house trading strategies.

Assets & Accounts

Investments & Alternatives

Location & Offices