A. Description of Advisory Firm
EMCR, founded in 1990, provides personalized investment management services to
individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates,
charitable organizations and small businesses (“Clients”). Advice is provided through
consultation with the client and is based on each client’s unique objectives, risk tolerances,
investment timelines, etc.
B. Principal Owners
The Firm’s principal owners are Douglas Mollin, Michael Cascio and Steven Ramusevic.
C. Types of Advisory Services
EMCR provides investment supervisory services, also known as asset management services,
and furnishes investment advice through consultations.
The terms of individual managed accounts are negotiated separately with each Client. Clients
are permitted to impose reasonable restrictions or limitations on EMCR’s management of their
portfolio. These restrictions or limitations, along with additional details regarding services,
fees, investor suitability standards and other specific terms applicable to Clients, are set forth
in the investment policy statements between the Client and EMCR.
We identify investment objectives by assessing the following, which includes but is not limited
to, the Client’s risk tolerance, liquidity needs, income requirements, emphasis on growth, and
emotional tolerance for volatility. Information provided by the Client is collected during
meetings, interviews, and/or filling out questionnaires.
We analyze a Client’s financial situation and formulate an investment policy statement and
implement the investment strategy by investing in a combination of mutual funds, stocks,
bonds, exchange traded funds (“ETFs”), cash equivalents, and selection of individual securities.
Clients can instruct us not to buy or sell certain securities or types of securities.
The investment strategy for each specific Client is based upon the information provided by
such Client during consultations. The Clients may change their objectives, risk tolerance or
other information at any time. Each Client executes an Investment Policy Statement that
documents their objectives and desired investment strategy.
When we provide investment advice to you regarding your retirement plan account or
individual retirement account, we are fiduciaries within the meaning of Title I of the Employee
Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are
laws governing retirement accounts. The way we make money creates some conflicts with your
interests, so we operate under a special rule that requires us to act in your best interest and not
put our interests ahead of yours.
Under this special rule's provisions, we must:
• Meet a professional standard of care when making investment recommendations;
• Never put our financial interests ahead of yours when making recommendations;
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your
best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.
For more information about our conflicts of interest, please review sections 5, 10, 11, and 14 of
this ADV disclosure or reach out to us using the contact information on the cover page of this
brochure.
D. Amount of Managed Assets
As of December 31, 2023, EMCR managed approximately $ 250,800,000 in assets on a
discretionary basis.