Herges Capital evaluates a client’s financial situation, goals, and risk tolerance.
Timely, personalized advice about available account types and suitable investment options helps not only in reaching long-term goals, like a comfortable retirement or your children’s college education, but also in minimizing tax costs (e.g., Roth conversions).
Herges Capital strives to be your accessible contact for all your financial questions and concerns. We therefore never charge for sound advice.
Herges Capital offers comprehensive, tailor-made management services. The firm’s investment style is highly cost- and tax-efficient. We prioritize providing fee transparency at all levels, not just for our direct fees.
Herges Capital adheres to ethical standards when selecting individual stocks and bond issuers. We avoid investing in companies involved in tobacco, defense, nuclear power plants, and sugary drinks. Many of these companies are typically included in broad-market ETFs.
Dividend growth investing involves buying strong companies that pay and consistently increase dividends over time, providing the income-focused investor with an ever-growing, inflation-beating stream of income, along with the potential for long-term stock price appreciation.
Herges Capital’s expertise culminates in a diversified Dividend Growth Portfolio that offers reliable income growth and safety. The snowball effect comes into play when those dividends are consistently reinvested – just like a snowball rolling down a hill grows larger as it collects more snow – potentially allowing an investor to eventually live entirely off dividends.
The alternative investment strategy ‘trend following’ is a futures-trading approach that exploits persistent price movements in commodities, stock indices, U.S. Treasuries, and foreign exchange.
Its appeal lies in its zero correlation with traditional asset classes such as stocks and bonds. Unlike traditional long-only investments, futures contracts can be sold just as easily as they are bought. This flexibility allows trend following to aim for positive returns in various market environments, regardless of broader market conditions.
Only high-net-worth individuals are eligible to invest. A separate futures account must be opened.
THE ADDITION OF MANAGED FUTURES TO A PORTFOLIO DOES NOT MEAN THAT A PORTFOLIO WILL BE AUTOMATICALLY PROFITABLE, THAT IT WILL NOT EXPERIENCE SUBSTANTIAL LOSSES OR VOLATILITY, AND THAT THE RESULTS OF STUDIES CONDUCTED IN THE PAST MAY NOT BE INDICATIVE OF CURRENT TIME PERIODS OR OF THE PERFORMANCE OF ANY INDIVIDUAL CTA.
No. Herges Capital has no minimum holding period. You may cancel services and withdraw funds at any time, even on short notice. Please allow a few days for accrued management fees to be deducted.
There is no minimum account size for Herges Capital’s registered investment adviser services. We aim to support investors, regardless of their current financial resources. Often, smaller or younger investors need professional guidance the most.
For the alternative investment strategy ‘trend following’, under Herges Capital’s Commodity Trader Advisor (CTA) registration, the minimum commitment is $350,000.
No. Technically, that is not possible. Money from an online broker can only be transferred to a dedicated account in your name, such as an external bank account. Funds cannot be transferred to a third-party account. Likewise, checks will only be sent to your home address on file.
These are important fraud protections.
Herges Capital sends quarterly invoices. A pro-rata invoice is issued if services are stopped before the end of the quarter. Fees are automatically deducted from your investment account.
Herges Capital earns fees exclusively through portfolio management. You pay us quarterly in arrears only if we compose a portfolio and buy and sell securities in your account. General consultation and advice on investments or other financial matters are not billed. We encourage client communication and education.
You should consult your own local tax advisor.
Here in the U.S., Trump’s Tax Cuts and Jobs Act of 2017, effective 2018, eliminated most investment-related tax deductions at the federal level – bad news for investors and the U.S. investment industry alike.
U.S. states generally follow federal tax rules, so you will need to contact a specialist to determine any state-specific deductibility.
Herges Capital is an independent investment advisor, meaning we are not simultaneously a broker. We don’t receive kickbacks from fund companies for selling their products, nor do we earn commissions for trading. By federal law, we are required to – and do – put YOUR INTERESTS AHEAD OF OURS. That is the highest fiduciary standard.
Another good reason to work with Herges Capital – and perhaps even put us in parallel competition with your current financial advisor – is cost and tax efficiency. Net, you will have more money in your pocket.
Yes, most foreign residents can open a Schwab One International brokerage account and exchange their local currency into U.S. dollars. A few countries – notably Canada and Turkey – are not eligible.
No. Herges Capital does not take physical custody of clients’ assets. Instead, you will maintain an account with an independent, qualified online broker-dealer and custodian (Charles Schwab). Herges Capital will trade on and manage YOUR ACCOUNT.
This setup provides important fraud protection.
Manager fees should not be considered in isolation.
Instead, total investment costs are crucial. Take into account manager fees, fund expense ratios, cash drag, and capital gains taxes. Weigh these total expenses against the quality of your portfolio (diversification) and services offered. Because Herges Capital’s portfolios typically have minimal expenses on funds, cash drag, and capital gains taxes, our fees appear highly attractive.
Herges Capital charges a percentage of Assets Under Management (AUM) – the rate decreases as the account value increases. Additionally, for accounts below $100,000, we charge nothing.
The alternative investment strategy ‘trend following’, as part of your CTA registration, is not charged based on AUM but is 100% performance-based. In this case, we earn fees only when we deliver a profit.
