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Fern Capital Inc. is a fee based Registered Investment Advisor. Why should that matter to you?


Being independent helps to ​eliminate the conflicts and pressures inherent in reporting to another institution.  We are woman and employee owned, empowered to make the right decisions for each of our clients.  Further, we do not take custody of your assets. client assets are held separately at an established, well recognized and qualified custodian. 


Being fee-only lets you know exactly what you pay in fees with the calculation clearly shown on invoices.  Our fees are competitive and based on the value of your assets, so we benefit as you do, from growing your investments. We do not accept commissions, trailers or referral fees that could bias our investment decisions.  


Being a registered investment advisor means we are fiduciaries, required to put your interests ahead of our own.   We are proud to say that we grow primarily through referrals from our existing clients.

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Who We Are

Ina Fernandez, CPA

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  • Ina G. Fernandez founded Fern Capital Inc. in August 2015 to enable clients to benefit from her extensive investment and management experience.  Her vision for Fern Capital is to provide clients direct access to their portfolio manager, unusual in an increasingly automated world.  As a fiduciary, Ms. Fernandez is required to put client interests ahead of her own, resulting in greater transparency and often, lower cost.  That personal approach is extended to creating custom portfolios of individual stocks and bonds that are designed to meet each client’s desire for growth, income and  social values.

Anne M. Nichols, CFA

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  • Anne M. Nichols joined Fern Capital in October of 2016 to fully utilize her over 30 years of investment experience to create portfolios that are designed to fit each client’s unique needs. Ms. Nichols enjoys the one on one relationship she has with her clients which allows her to develop an investment strategy that makes sense to them. She implements it through investment in individual securities carefully selected to meet their objectives. As Fern Capital is an independent, fee-only registered investment advisor, clients also benefit from their interests being placed ahead of her own.  

"WHAT SEPARATES US FROM MOST ADVISORS IS THAT WE USE INDIVIDUAL SECURITIES, LEVERAGING OUR COLLECTIVE INVESTMENT KNOWLEDGE AND EXPERIENCE TO HELP YOU MEET YOUR UNIQUE OBJECTIVES IN A TAX- EFFICIENT MANNER. "​   

Ina Fernandez CPA, President and Founder, Fern Capital Inc.