Investments
Flower City Capital
Let’s discuss how we can help you
Our investment process begins with you in mind
The purpose of our investment program is to help you grow wealth for the future. This starts with an understanding of your goals and objectives. The best portfolio is the one you can stick with over the long-term.
Flower City Capital
How We Select Investments
We build portfolios that help meet our clients' goals as efficiently as possible. We do this in two ways:
Follow tried and true principles
- Agree to an appropriate level of overall risk
- Minimize fees and taxes
- Diversify across asset classes
- Manage for the long-term (avoid chasing fads and the latest hot stock)
Adapt to market conditions
- Though markets are mostly efficient, on occasion they do deviate from their long-term fundamentals – we seek to exploit these opportunities in our portfolios
- Using our consistent framework, we are able to segment performance across key drivers and clearly demonstrate the impact of portfolio decisions
We focus on doing the things that work and avoiding those that don't.
Michael Rizzolo, Managing Partner
Flower City Capital
Ongoing Portfolio Management
Integration with broader goals
- Ongoing rebalancing
- Structured outside investments (401Ks and other retirement accounts)
- Private market exposures
Tax minimization
- Asset location process
- Tax-loss and tax-gains harvesting
- Cash flows and cost lot management
Flower City Capital
Summary of Fees
We offer a simple fee structure that includes all financial planning and investment services. In addition to the advisory fees below, clients will pay custodian commissions and internal investment expenses. We seek to utilize low-cost and commission-free-funds as appropriate.
Our fees are:
- Disclosed in advance
- Computed and billed quarterly
- Only billed after the work is done
We offer flexible billing options based on our clients’ unique needs:
- Assets under Management Based (most common)
- Total Net Worth Based (less common)
Standard AUM fee schedule:
| Fee Structure | Rate |
| Up to $1 million | 1.0% |
| $1 million to $5 million | 0.9% |
| $5 million to $10 million | 0.7% |
| Over $10 million | 0.5% |
Contact Us
Let's Get Started
Interested in learning more about us or have specific questions about how to get started? Our team stands ready to talk with you to understand your situation and how we can help.