Herges Capital Financial Advisor
San Diego, CA
Net return is what counts at the end of the day.
Welcome to Herges Capital! Most investors are unaware of the real and total cost of investing. We ensure your hard-earned money is growing while not being harmfully depleted by fees and taxes. Every dollar saved on expenses is additional, re-investable profit.
Herges Capital distinguishes itself from most financial advisors. For a start, we follow a modern direct investment approach. So-called direct indexing purchases carefully-selected individual bonds and stocks. Consequently avoiding third-party mutual funds and ETF fees that you always do pay with others. Direct indexing allows to execute tax-loss harvesting in a highly efficient way. The goal is to bring not only your current tax obligation down to zero, but also to not allow future tax burdens to build up.
Furthermore, Herges Capital aims to protect and preserve your funds by diversifying more thoroughly than most competitors. Our portfolios typically hold numerous assets classes including commodities, inflation-protected bonds, floaters and, if desired and applicable, even alternative investments like trend following.
Herges Capital holds dual registrations as a state-registered investment advisor (RIA) and commodity trading advisor (CTA). We are a 100% independent fiduciary, not a broker! We don’t earn commissions. Just the opposite, we aim to keep trading cost low. Because our clients’ net return is most relevant to us.
Why Herges Capital?
15 Years of
Every investor is different. In a holistic approach, Herges Capital assesses the client’s current investments, obligations, needs and goals before recommending improvements. In a Statement of Investment Policy (SIP) overall risk preferences ranging from highly-conservative capital preservation to aggressive growth are bindingly agreed upon. The subsequent investment portfolio’s structure will match the client’s risk tolerance. Naturally, a retiree will emphasize more on reliable and steady investment income than a first job employee.
Herges Capital offers comprehensive and tailor-made investment advice and management services. The firm’s investment style is highly cost- and tax-efficient. Providing fee transparency on all levels, not only our direct fees, is important for us.
Herges Capital follows ethical standards when picking individual bond issuers or stock names. We refuse to invest in tobacco, defense, nuclear power plants and sugary drinks stocks. All those companies are typically included in a broad market ETF.
What our Clients say about us
Mr. Herges instills confidence by building trust. He has very patiently explained concepts like tax loss harvesting, hidden fees and the whole process of what he’s doing. But most important to me, Herges Capital is a fiduciary, not a broker. I therefore can be absolutely sure they work only in my best interest instead of just selling funds to me.
– Mr. Steitz
Herges Capital completely restructured my dangerously biased retirement portfolio. Now I can sleep soundly at night knowing my life savings are taken care of not only professionally but also cost-efficiently. It was an eye-opener.
– Ms. Anaya
After I moved to the U.S. from Canada, I started looking for a local financial help. Internet results returned too many of the same, banks were asking ridiculous fees on top of fees. Then I met with Udo through a common friend and I liked his conservative approach to investment. He is very methodical and responsive. His friendly approach is a welcome bonus. By looking at my previous provider’s statement, Udo showed me the amount of management fees I’ve been paying and its impact to my wealth over the years. That was something I wasn’t paying too much attention to. I had to setup multiple accounts in multiple countries and currencies, yet working with the Herges Capital team the process was very easy.
– Mr. Guven
Contact us for a free Consultation
Often an initial step for investors is to trustfully forward their latest broker’s statement for us to comment on. Common are also requests to recommend funds out of a 401k program. In both cases fees and sufficient diversification guides our reply.
Who we are
Herges Capital Management LLC was founded in 2013. Its sole-owner and CEO is Udo Herges, PhD, MSc. Trust is the most precious currency you may pay Herges Capital. Earning your trust with insights and performance is our continuous goal. We only trade on our clients’ accounts, but never take possession of their funds. The incentivizing fee structure ensures we earn more only when our clients do better. Our interests are aligned with yours.