Independent Fiduciary Advisor

Some problems are unseen.
We can uncover them for you.

Do you know what's beneath the surface of your investments? Don't let unseen costs, fees, and unnecessary risk sink your retirement. Try our calculator to see the impact a percentage difference can make on your portfolio.

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Federally Registered RIA
Custody at Schwab & Fidelity
38+ Years Experience
Chicago, IL
What We Do

We provide investment services that minimize the investment costs you pay compared to traditional mutual funds, brokerage firms and insurance products.

Money Management

Private Money Management

Portfolios tailored to your goals, risk tolerance, and long-term financial objectives.

Retirement Plans

Retirement Plans for Employers

Retirement plan solutions designed to simplify management and fiduciary responsibilities.

Retirement Navigation

Retirement Navigation

Over 38 years of experience helping clients confidently transition into retirement.

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Why Clients Choose Us

Our approach is built around transparency, cost efficiency, and disciplined long-term investing designed to help clients keep more of what their investments earn.

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Transparent Pricing

We believe investors should clearly understand what they pay for investment management. Our straightforward fee structure eliminates buried costs and provides transparency around investment expenses.

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Cost-Focused Investing

Many traditional investment products include layers of fees that reduce long-term returns. Our approach prioritizes minimizing investment costs, helping clients keep more of what their portfolios earn over time.

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Independent Advice

As a registered investment advisor, we are legally obligated to act in our clients' best interests. Our guidance is objective and focused solely on helping clients achieve their financial goals, not ours.

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Customized Portfolios

Every portfolio we manage is tailored to a client's goals, risk tolerance, and investment horizon. We focus on disciplined, long-term strategies designed to support sustainable wealth creation.

Below the Surface

Do you know what's really buried in your portfolio?

Most investors do not realize how much they are paying in buried fees. Over time, those overlooked costs can quietly reduce your long-term returns.

Uncover Buried Costs
Investment fees visual illustration
Advisory Fee The fee you pay your financial advisor for managing your investments, typically a percentage of assets under management.
Expense Ratios The total annual cost of owning a fund, expressed as a percentage — includes management fees, admin costs, and other operating expenses.
Tax Costs Capital gains which are created from actively trading holdings within your mutual funds. This is only applicable in non-retirement accounts.
Trading Costs The costs from buying and selling securities inside a fund, including bid-ask spreads and market impact — not shown in the expense ratio.
Insurance Fees Fees charged inside annuities or insurance-wrapped products, potentially adding 1–3% per year in fees, on top of underlying investment costs.

Your Needs First

We focus on you and your family, developing financial strategies to help you ease into whatever comes next and answer the questions that arise along the way.

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Discovery

This is where you tell us your story, where you have come from, where you are now, and where you want to be in retirement.

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Planning

You provide the documents we need to evaluate your current financial picture, then we build and review a plan aligned to your goals.

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Invest and Adjust

We implement your portfolio and adjust it as your life circumstances change, while continuously tracking progress toward your long-term plan.

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Featured In
InvestmentNews Investor's Business Daily U.S. News CNBC RIA Podcast Benzinga Advisor Recognition InvestmentNews U.S. News CNBC RIA Podcast Benzinga Advisor Recognition

Recognized for leadership, growth, and client dedication.

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In the Media

Market perspective and commentary from LCM Capital Management.

Conviction is Contagious
Market Insight

Conviction is Contagious

Conviction is contagious, which is exactly what makes it dangerous. A reflection on how narratives can spread and influence investor decisions.
The Bursting of the Stock Market Bubble
Market Insight

The Bursting of the Stock Market Bubble

A look at the ongoing market bubble conversation and what investors should consider instead of following loud predictions.
The Bursting of the Stock Market Bubble ...Well Maybe
Market Insight

The Bursting of the Stock Market Bubble ...Well Maybe

Why market forecasts are often wrong, and why disciplined investing usually beats reacting to pundits.
Read All Insights

Frequently Asked Questions

LCM Capital Management's investment approach favors direct investment in individual stocks and individual bonds, a few select ETF's and certain money market funds, and by only charging one low fully transparent management fee, we ensure that you know exactly what you are paying LCM Capital Management. See our ADV wrap brochure and our Form CRS for any miscellaneous fees or expenses.

At LCM Capital Management, since we are an independent adviser, there's no incentives or pressure to use an internal analyst's research or recommendations in building client portfolios. LCM Capital Management pays no soft dollars. LCM Capital Management uses no synthetic retail products i.e. closed ended funds, sub-prime, fund of funds, stocks or bonds mutual funds, auction rate preferreds or annuities.
LCM Capital Management is a fiduciary under federal securities laws and is thereby obligated to put your interests first. Our obligations to you as a fiduciary go beyond those required of a brokerage firm.
No, LCM Capital Management believes mutual funds are the The Great American Rip-off. Additionally with variable annuities, one must add insurance costs on top of the mutual fund costs.
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Ready to Start a Conversation?

No obligation, no pressure — just a conversation about your financial future and what may be hiding beneath the surface.

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LCM Capital Management, Inc.

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Contact LCM Capital Management

(312) 705-3013
lcm@lcmcapital.com
209 W. Jackson Blvd, Suite 777, Chicago, IL 60606
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