Putting Client Interests Ahead of the Firm's

Orcam Financial Group is a financial services firm offering asset management and consulting services at a low fee.   We believe that Wall Street’s typical services are substantially overpriced and misaligned with the interests of clients.  

At Orcam we focus on ensuring that the client not only pays a reasonable fee for high quality services, but is involved in a relationship in which the asset manager’s interests are aligned with those of the client.  

We combine this low fee and client focused approach with our sophisticated macro portfolio management style to offer an unrivaled overall portfolio management experience. 

Read more about our unique approach to low fee indexing here. 

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Letters From Our Founder

Read some macro thoughts from our founder, Cullen Roche:

• March, 2020 – Pragmatic Thinking on…COVID-19.

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Compare Us

We know you have a multitude of options when it comes to investment managers. We firmly believe that our unique combination of automated services with a human advisor has created one of the most comprehensive low cost advisory services available.  The table below shows how we compare to the many available options out there today:

		Traditional Advisor	Robo Advisor	Do-It-Yourself
Annual Fees¹	0.17% – 0.42%	1 – 2%	0.29% – 0.89%	0.64%
Personalized Risk Profiling
Financial Planning
Comprehensive Asset Review
Automated Rebalancing & Dividend Reinvestment
Static Modern Portfolio Theory  Portfolio Construction²		Varies		Varies
Behavioral Coaching
Excessive Fund Holdings  (AKA, Diworsification)³
Tax Efficient		Varies		Varies
Index Based Portfolio		Varies		Varies

1 – Orcam’s fees may vary depending on portfolio specifics. The Do-It-Yourself average of 0.64% is based on the average cost in the 2015 Morningstar study on investor fees. The vast majority of individual investors are still using high fee mutual funds and high cost ETFs.

2 – Static Modern Portfolio Theory refers to the tendency for these asset managers to invest in buy and hold “stocks for the long-run” type portfolios that often leave an investor’s underlying asset allocation overly aggressive and misaligned with their profile at times during the business cycle as well as throughout their lives.  

3 – Diworsification refers to the tendency for asset managers to hold an excessive number of funds (10+) that gives the appearance of doing something superior when the reality is that this often times simply results in higher fees and the illusion of justifying those high fees.  

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Getting Started is Easy

Opening an account with Orcam is not only safe and secure, but easy. We believe in 100% transparency and third party custody to reduce the potential for any conflict of interest and maintain account ownership and control in the hands of the client. We use only the highest quality custodians and brokers to ensure the safety and soundness of our clients’ assets.

The process begins with a brief phone introduction to make sure you’re a good fit for Orcam and also to ensure that Orcam is a good fit for you.  We then run an in-depth risk and account profile so we can ensure that we put ourselves in your shoes when we apply the proper portfolio construction process. In the future, you can can rely on us to monitor and manage the account and you can focus your attention on what is most important to you. 

If you want to optimize your portfolio, reduce fees, invest efficiently, diversify and reduce the burden of managing your assets then contact us today.  

Contact Us To Open Your Account Today