9AT: CAPE ANN CAPITAL, INC.

CAPE ANN CAPITAL, INC.

CAPE ANN CAPITAL, INC.

Adviser Profile

As of Date	03/31/2026
Registration	SEC, Approved, 07/05/2006
Other registrations (1)	Massachusetts, Terminated, 12/07/2006
ADV Location	CONCORD, MA, United States
Contact Info	978 xxxxxxx
Websites

AUM^*	193,009,183 3%
of that, discretionary	181,231,770 11%
Number of Employees	2 -33%
of those in investment advisory functions	2 -33%
Private Fund GAV^*	0
Avg Account Size	351,565 -52%
% High Net Worth	17.07% 9%
SMA’s	Yes
Private Funds	0

Adviser Type

- Large advisory firm

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals
- Pension and profit sharing plans
- Charitable organizations

Advisory Activities

- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses

Compensation Arrangments

- A percentage of assets under your management
- Fixed fees (other than subscription fees)

Reported AUM

189M 162M 135M 108M 81M 54M 27M

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026

Discretionary

Non-discretionary

Private Funds

No private funds

Employees

Brochure Summary

Overview

Firm Description Cape Ann Capital was founded in April of 1999 to provide investment advisory services to individuals and institutions. The firm manages 256 portfolios with a consolidated market value of $187 million. Principal Owners David Umstead, James Jasinski and Jeremy DiStefano each own one‐third of the firm. Types of Advisory Services Cape Ann Capital manages portfolios of actively managed mutual funds for individuals, trusts, corporations and charities. Each client portfolio is tailored to a long‐term asset allocation target determined by the client. Cape Ann Capital assists in finding an asset allocation target that will meet each client’s long‐term return objectives without exceeding his or her tolerance for risk. Our risk targets are a blend of US Cash, U.S. bonds and global equities. Allocations across these three categories vary considerably from client to client. Cape Ann Capital partners with independent service providers to manage and administer open architecture qualified retirement plans to employers. These plans typically replace a captive plan, for which all services were provided by a single mutual fund company. An open architecture plan removes conflicts of interest in the selection of investments offered to participants and makes costs much more transparent. Cape Ann Capital is the independent advisor. An

independent trustee provides brokerage and custody. An independent third‐party administrator (TPA) provides structure to plan through compliance testing, census work and filing documents with the IRS. An independent recordkeeper processes and reconciles account activity and provides participants with account valuations. Cape Ann Capital manages participant portfolios using the same investment process as for all other clients. Cape Ann Capital is committed to open architecture, retirement plan solutions and is willing to work with a wide variety of independent partners. Cape Ann Capital provides portfolio management services for six multi‐participant, employer‐sponsored qualified retirement plans. Cape Ann Capital offers financial planning services for an additional fee. We help clients construct household balance sheets and income and expense projections towards various financial goals. The projections incorporate estimates of social security income, Federal and state income taxes, required minimum distributions from retirement accounts as well as current assets and the expected returns and risks of these assets. Wrap Fee Programs Cape Ann Capital does not participate in any wrap fee programs. Firm Brochure–Part 2A of Form ADV 6 December 31, 2023 Assets Under Discretionary Management Discretionary assets under management total $163 million.