Castle Group Investment Counsel

The firm operates on a fee-only basis, charging clients a percentage of assets under management. This structure is standard for SEC-registered investment advisers and removes commission-based conflicts of interest. Fee schedules are disclosed in the firm's Form ADV Part 2A, filed with the SEC and typically provided directly to prospective clients.

No. The firm's primary service is discretionary management of individual separate accounts. Each client portfolio holds its own identifiable basket of securities—typically stocks and bonds—directly in the client's name at a qualified custodian. This avoids the commingled risk and lack of tax transparency inherent in a pooled fund.

The investment strategy focuses heavily on large-cap, dividend-paying equities and investment-grade fixed income. The firm constructs concentrated equity portfolios tilted toward sectors with durable cash flows, such as consumer staples, utilities, and industrial companies. The fixed-income side generally uses laddered bonds—Treasuries, municipals, and corporates—configured around each client's tax bracket and income needs.

As an SEC-registered RIA, the firm does not hold client assets itself. A qualified third-party custodian—such as Charles Schwab, Fidelity, or Pershing—holds the actual securities. This is a regulatory requirement under the Investment Advisers Act of 1940, designed to protect client assets by separating custody from management authority.

The firm's minimum account relationship size is not publicly disclosed. Given the high-touch, separately-managed-account model and lean staffing, it is reasonable to infer a high minimum—likely in the low seven figures—designed to keep the total client count small and the level of portfolio customization deep.