Financial Planner in Newport Beach

Check Capital Management (CCM) has been an SEC-registered investment advisor since 1987.

As of March 31, 2024, CCM manages approximately $1.9 billion for 1168 clients.

While we continue to refine our methodology, CCM’s basic investment principles have never changed: We seek to buy the stocks of remarkable businesses at attractive prices. Most holdings in the Quality Growth Program are multinational companies with long operating histories.

Check Capital Management has 12 full-time employees. Steven Check and Ryan Kinney conduct research on companies being considered for investment. The ten other employees include a compliance officer/trader, six relationship officers, and three staff members who assist clients with a variety of administrative needs. For more about the people who comprise CCM, see the “Meet Our Team” page.

We begin by talking to you about your financial circumstances and preferences. Once those have been determined, we can create a complimentary retirement plan based on your specific needs and goals. CCM recommends you place the money that you wish to invest over the longer term in stocks. For near-term needs such as living expenses, bonds usually prove to be the best choice. As per our Two-Bucket Approach (see the “Investment Programs” section of this website), we advise that you be careful in estimating your more immediate money requirements so as to avoid making stock investments that you’re forced to sell prematurely.

CCM strives to help clients avoid permanent loss of capital.

This is done by:

1) Owning stocks of well-established, high-quality growth firms (“blue chips”), and

2) Buying these stocks at a sensible time, i.e., when we believe they’re considerably underpriced.

Although prices may fluctuate greatly during volatile markets, stocks eventually reflect the business prospects of the underlying companies. CCM maintains a consistent and logical approach during all phases of the investment cycle. Thus, regardless of “the state of the economy”, we only buy in response to diligent analysis and never sell in panic.

Check Capital doesn’t serve as a custodian of client funds. Accounts are held at a major, independent stockbrokerage firm. (We can recommend one or you can specify the firm you prefer.) You retain full and immediate online access to your account(s).

The Securities and Exchange Commission defines Qualified Clients as

a) Those whose net worth is at least $2.2 million (exclusive of their equity in their primary residence), or

b) Clients who have at least $1.1 million with the investment manager.

Note: Our minimum for managing assets is $500,000, so a client can engage with us using our Profit-Based Fee if they qualify under the “net worth” requirement (a) above).