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Stein Capital Management (the "Company") subscribes to several well-known investment Reports (such as Morningstar, Zacks, Stansberry, Barrons,  Wall Street Journal, Motley Fool, and others).  The Company changes investment Reports from time to time in order to attempt to work with the best services available.  The Company pays various fees for these services with the intent to purchase the most suitable investments for clients.  Investment decisions always depend on the client's situation such as age, net worth, knowledge of investing, degree of nervousness and the client's intent  to leave money to  heirs.  The Company manages funds for some  Non-Profit Organizations, and Rick, who is personally very involved in Non-Profits, welcomes Non-Profit clients. 

All accounts are treated  as long-term accounts; the Company does not engage in "day trading".  All accounts will be diversified (mostly in equities) for purposes of avoiding high  concentration in one  or more equities.  The Company rarely purchases non-equities, such as bonds.  (however, see immediately below).

The Company invests mostly in high quality stocks (often Wide "Moat") which enjoy competitive advantages.  A competitive advantage which will attract some of the Company's investments  includes high increase in yearly Revenues year, sometimes with no  earnings  at the  time of the investment (but high earnings in the future are a clear likelihood). Most investments are individual stocks; portfolios will generally consist of Non-correlated asset classes.  However, at times the Company will invest in a high quality  Exchange Traded Fund  (for diversification) assuming the fee is not too high.  For more conservative clients,  the  Company will invest in some  fixed income entities and such fixed income  investments may include  Closed End Funds assuming the Closed End Fund enjoys a long standing  reputation and history of payouts and the  return is substantially above most fixed income investments.  

The Company does engage in some  Options writing in most accounts but the options writing consists mainly of "conservative" options (such  as "Covered Call Writing").   Options writing  is engaged in with  the intent to generate income in addition to dividends.