# Asset Dedication

Asset Dedication is a Bank / Wealth / Trust based in San Francisco, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** San Francisco, United States
- **Region:** North America
- **Address:** San Francisco, CA, United States
- **Founded:** 2010
- **Assets under management:** Undisclosed
- **Website:** www.assetdedication.com
- **LinkedIn:** https://www.linkedin.com/company/asset-dedication-llc

## Regulatory record

- **CRD number:** 151988
- **SEC file number:** 801-71892
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/151988

## About

Asset Dedication is an SEC-registered investment adviser in San Francisco, CA, registered since 2010. The firm manages approximately $2.9 billion in regulatory assets. It has 7 employees and 5 investment advisers.

## Questions

### How does Asset Dedication construct client portfolios?

Asset Dedication purchases individual bonds — Treasuries, agencies, municipals, and investment-grade corporates — and holds them to maturity. Each portfolio ladder is calibrated to the client's specific spending schedule, creating a self-liquidating stream that funds liabilities as they come due. This contrasts with a total-return bond fund, where constant reinvestment and daily pricing introduce cash-flow uncertainty.

### Is Asset Dedication a fund manager or a broker-dealer?

The firm operates as a wealth manager, not as a broker-dealer or a fund sponsor. Clients receive individually managed accounts rather than shares in a commingled vehicle. This architecture means the portfolio's composition and maturity schedule are dictated by the client's own liability profile, not by a common fund mandate.

### What distinguishes Asset Dedication's approach from a typical bond ladder?

While the mechanics resemble a bond ladder, the defining feature is the explicit dollar-for-dollar matching of future maturities against projected spending needs. Instead of rolling maturities into the prevailing market, each bond's principal return is intended to fund a specific, dated obligation. The portfolio is designed to self-terminate as obligations are met, reducing reinvestment risk and market-timing pressure.

### Does Asset Dedication manage equity or alternative investments?

Asset Dedication's published focus is fixed income, and there is no indication it offers equity, private-market, or alternative investment management. The firm's value proposition rests on eliminating equity-market and credit-migration risk from the portion of a client's balance sheet that must fund near- and intermediate-term liabilities.

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Last updated: 2026-06-03T20:00:00.000Z

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