Scarborough Capital Management

Scarborough Capital Management

Scarborough Capital Management was founded in 1989 and operates as a federally registered investment adviser headquartered in Annapolis, Maryland. Its origin story is tied to a specific market gap — most advisory firms would not touch smaller 401(k), 403(b), and Thrift Savings Plan (TSP) accounts. Scarborough made that its anchor, offering discretionary management for workplace retirement accounts without requiring clients to move assets to a new custodian. The firm later layered on comprehensive financial planning, tax planning, and portfolio management for individuals, high-net-worth families, and corporations, all while keeping the workplace retirement account as the central relationship node. The firm deploys capital primarily via direct securities management on a nondiscretionary and discretionary basis, leaning on mutual funds and ETFs to construct portfolios for retirement and wealth management clients. While it does not operate dedicated private-equity or venture funds, its ADV filings describe asset-allocation models blending domestic and international equities plus fixed income. The geographic footprint is national, with state securities registrations extending across 46 US states from Alaska to Wyoming as of the latest disclosures. Scarborough's service model emphasizes a dedicated advisor providing unlimited phone and email support — a structure aimed at turning episodic 401(k) participants into long-term wealth management relationships. Team size and total regulatory assets under management are not publicly disclosed. Scarborough Capital Management conducts its securities business through Independent Financial Group, LLC (IFG), a member FINRA/SIPC broker-dealer, but the two entities remain unaffiliated. The firm does not publish information about philanthropic vehicles, adjacent operating businesses, or external club memberships. In the last 24 months, no significant operational event — such as a key hire announcement, acquisition, or strategy shift — has been publicly reported. The firm's public posture remains the same consistent retirement-focused advisory shop it has projected for years. Scarborough's structural distinction is how it converts low-touch, high-volume workplace retirement plan servicing into full-service wealth management. It functions as a de facto bridge between a plan provider's generic help desk and a traditional RIA, capturing clients who accumulate significant balances inside employer plans and want ongoing advice without moving firms. That architecture gives it a built-in next-generation client pipeline — 401(k) participants become wealth management clients as they approach and cross the retirement threshold — a succession and origination model that eliminates the cost of acquiring high-net-worth clients from scratch.