Dew Point Capital, Inc. is an investment advisor firm registered with the U. S. Securities and
Exchange Commission since September 2021. Previously, the firm was a state registered
investment advisor since September 2019.
The principal owner of Dew Point Capital, Inc. is Steven Cooper, Managing Director.
Advisory Services
Dew Point Capital, Inc.’s (“Dew Point” or “Advisor”) principal service is providing fee-based
investment advisory services and financial planning services. The Advisor practices custom
management of portfolios, on a discretionary basis, according to the client’s objectives. The
Advisor’s primary approach is to use a strategic allocation strategy aimed at reducing risk and
increasing performance. The Advisor may use exchange listed securities, over-the-counter
securities, foreign securities, warrants, corporate debt securities, CDs, municipal securities, mutual
funds, ETFs and United States government securities to accomplish this objective. The Advisor
measures and selects mutual funds by using various criteria, such as fund cost, institutional
affiliation and history, the fund manager’s personal investment in the fund, tenure, and/or overall
career performance. The Advisor may recommend, on occasion, redistributing investment
allocations to diversify the portfolio in an effort to reduce risk and increase performance. The
Advisor may recommend specific stocks to increase sector weighting and/or dividend potential.
The Advisor may recommend employing cash positions as a possible hedge against market
movement which may adversely affect the portfolio. The Advisor may recommend selling
positions for reasons that include, but are not limited to, harvesting capital gains or losses, business
or sector risk exposure to a specific security or class of securities, overvaluation or overweighting
of the position(s) in the portfolio, change in risk tolerance of client, or any risk deemed
unacceptable for the client’s risk tolerance.
Retirement Planning Services
Dew Point provides retirement income planning services to clients and are intended to offer
comprehensive guidance related to the management of a client's assets and income over the course
of their retirement. The Advisor will attempt to provide accurate and comprehensive advice and
recommendations about how to address a number of key questions concerning a client's retirement
future.
Retirement Plan Consulting Services
Dew Point will evaluate the existing qualified retirement plan solutions. Dew Point will evaluate
at a minimum, the qualified retirement plans fiduciary compliance program, recordkeeping and
third-party administration services, investment policy statement and management process,
employee communication and education program, and retiree/rollover transitional consulting
services.
Based on the evaluation, Dew Point will make objective recommendations to the plan sponsor.
Upon approval, Dew Point will implement, manage, and monitor the recommendations with the
authorization of the plan sponsor.
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As part of the process, Dew Point will provide an investment policy statement. Dew Point will
recommend, monitor, and benchmark the selected investment platform according to the investment
policy statement. Dew Point will also evaluate and recommend investment options to be included
in the Plan, and monitor the characteristics of those investment options to ensure they meet the
investment needs of the Plan. Dew Point will also assist in the development of the initial policy
recommendations.
In consideration for this service, Dew Point will receive an investment advisory
fee, billed quarterly in arrears based on the average daily balance of plan assets. The Plan Sponsor
will make the decisions about which investment recommendations accept and for those chosen,
will add them to the platform. Dew Point is only making recommendations to the client about
which investment products should be included. Dew Point will make recommendations concerning
the model portfolios/asset allocations, and underlying investment options used to construct the
portfolios/allocations and not the individual participants elections, or asset allocation of any
participants should they elect to customize their own portfolio. Additionally, Investment Advisor
Representatives of Dew Point may provide consultation services on general non-securities advice
on topics including operations management, business model integration and management, and
retirement plan consulting and business planning.
Selection of Other Advisors
Dew Point may periodically recommend and refer clients to unaffiliated money managers or
investment advisors. Through this arrangement, the client will then enter into an advisory
agreement with the third-party money manager authorizing them to manage assets in accordance
with the investment objectives established between the client and third-party money manager and
by identifying appropriate investments and monitoring such investments. In consideration for
such, the third-party money manager will receive an investment advisory fee, billed in accordance
with its Form ADV Part 2A (Brochure) which the client will receive prior to signing the third-
party money manager advisory agreement. The third-party money manager’s management fee is
1.00% per annum. The third-party money manager will pay Dew Point’s advisory fee of 0.50%
per annum of the assets it manages out of its management fee. Dew Point will assist and advise
the client in establishing investment objectives for the sub-advisors and continue to provide
oversight of the client account and ongoing monitoring of the activities of the sub-advisors. Dew
Point may also assist in the development of the initial policy recommendations and managing the
ongoing client relationship.
Financial Planning
In addition to investment supervisory services, Dew Point may provide Financial Planning
Services to some of its clients. The Advisor’s Financial Planning services may include
recommendations for portfolio customization based on their client’s investment objectives, goals
and financial situation, recommendations relating to investment strategies as well as tailored
investment advice. Financial planning may also include non-investment advice such as developing
strategies to achieve retirement or other financial goals, tax optimization strategies, cash flow and
budgeting analysis and recommendations, financing and financial education, estate planning, and
asset protection strategies.
Dew Point will tailor its advisory services to its client’s individual needs based on meetings and
conversations with the client. If clients wish to impose certain restrictions on investing in certain
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securities or types of securities, the Advisor will address those restrictions with the client to have
a clear understanding of the client’s requirements.
Dew Point does not provide portfolio management services to wrap fee programs.
As of December 31, 2023, Dew Point had $155,135,000 in discretionary and $6,374,000 in non-
discretionary client assets under management.