Independent Investment Adviser · New York
Sirmium Capital delivers fee-only equity research and investment advisory built for NYPD, FDNY, veterans, and 9/11 families. No commissions. No conflicts. Just disciplined, research-driven fiduciary guidance.
The principle that guides everything we do
"The best thing a human being can do is to help another human being know more."
— Charlie MungerIt is why our calculators, research, and tools are free to use, with no account and no sales call required. We would rather you understand your own money than take our word for it.
Find your investor risk profileWho We Serve
Most advisors are generalists. We are not. Every strategy we build is designed around the specific laws, benefits, and pension systems that govern your community.
USVSST award management, MDL-1570 coordination, and long-term capital allocation for families navigating multi-million dollar settlements.
See the payout math →Pension tier analysis, VSF coordination, 457(b) tax-strategy, and retirement income planning designed specifically for New York's Bravest.
Calculate my pension →Death Gamble protection, pension tier analysis, 457(b) rollovers, and tax-efficient wealth management for New York's Finest.
Calculate my pension →TSP rollover optimization, VA disability coordination, military pension tax strategies, and wealth-building for those who served in uniform.
Calculate my TSP →When You're Ready
The calculator gives you the numbers. The call is where they start to mean something. Bring what you found (your pension estimate, your 457(b) or TSP balance) and we'll read it together: what's working, what's exposed, and the decisions actually in front of you. Fifteen minutes, no prep beyond your numbers.
Not ready to talk? The Decision Record asks four questions and writes your answers into a plan document you can print. Free, in your browser, and nothing leaves your device.
The Fiduciary Difference
Sirmium Capital was founded on a straightforward premise: the communities that served New York deserve advisors who actually understand their financial world, not generalists guessing at it.
Our CIO, William Harrison, publishes quarterly equity research covering long-term value investing, capital allocation, and sector analysis. Every client receives this research free.
As a fee-only RIA, we are legally bound to act in your best interest. No product sales. No embedded commissions. No conflicts of interest, ever.
Off the clock, the same belief: Sirmium Capital is the founding sponsor of the NYC Honor Foundation, a 501(c)(3) pairing elite youth basketball with financial literacy and NIL education, and our professionals teach its financial curriculum pro bono.
"Long-term wealth isn't built on generic advice. It's built on understanding the exact rules that govern your money and applying patient, disciplined capital allocation over time."
— William Harrison, Founder & Chief Investment Officer, Sirmium CapitalAs a fee-only RIA, we are legally bound to act in your best interest: no investment product sales, no commissions.
NYPD/FDNY pensions, TSP rollovers, VA disability, USVSST coordination. We know the details that matter to each community we serve.
William Harrison's quarterly research letter provides concentrated value investing insights written for serious, long-term investors.
Our Process
A free 15-minute call to understand your situation, community, and goals.
We review your pension, benefits, tax exposure, and current portfolio for gaps.
A niche-specific strategy built around your community's exact rules, not a template.
Quarterly research, regular reviews, and fiduciary oversight as your life evolves.
Sirmium Capital works primarily with 9/11 families, retired FDNY and NYPD officers, and veterans: people navigating complex pension, 457(b), TSP, or VCF situations that general financial planning often misses.
A 1% annual advisory fee on assets under management for first responders, active military, reserve and veterans, and 2% for other clients. It is calculated daily on what the account is actually worth and paid monthly. No commissions, no product sales, no hidden charges. Fee-only, registered investment adviser. The full schedule is in our Form ADV Part 2A.
As a registered investment adviser, Sirmium Capital is legally required to act in clients' best interests at all times. Recommendations must be suitable, fees must be disclosed, and the adviser cannot earn commissions or referral fees from product sales. This is a higher standard than the suitability standard that applies to brokers.
Book a free 15-minute introductory call. No obligation. Bring your pension estimate, 457(b) or TSP balance, and any specific questions. Schedule here →
Concentrated value-investing research from our CIO. Free, every quarter.
Informational only. Sirmium Capital LLC is a Registered Investment Adviser.