Fee-Only RIA for NYPD, FDNY & 9/11 Families

The principle that guides everything we do

"The best thing a human being can do is to help another human being know more."

— Charlie Munger

It 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.

Who We Serve

Four Communities.
One Fiduciary Standard.

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.

9/11 Families

Your VCF and USVSST awards: what each payment round means for your family, and a plan for investing what you receive.

See the payout math →

FDNY

Your Tier 2 or Tier 3 pension, the Variable Supplements Fund, and your 457(b): when you can go, what you'll be paid, and what to do with your savings.

Calculate my pension →

NYPD

Your Tier 2 or Tier 3 pension, the Variable Supplements Fund, and your 457(b): whether to go at 20 or stay, and what to do with your savings.

Calculate my pension →

Veterans

Your separation timeline, the dated decisions on your way out, and your TSP: whether to move it or leave it, and when to pay the tax on it.

See my separation dates →

When You're Ready

Have your numbers?
Let's read them together.

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.

Book a Free 15-Min Call

The Fiduciary Difference

Built for communities
like yours

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 commissions.

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.

Meet the Team Read Will's Latest Letter

"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, Co-Founder & Chief Investment Officer, Sirmium Capital

Legally required to put you first

As a fee-only RIA, we are legally bound to act in your best interest: no investment product sales, no commissions.

Deep niche expertise across every community we serve

NYPD/FDNY pensions, TSP rollovers, VA disability, USVSST coordination. We know the details that matter to each community we serve.

Quarterly equity research, free to every client

William Harrison's quarterly research letter provides concentrated value investing insights written for serious, long-term investors.

Our Process

How We Work

1

Discovery Call

A free 15-minute call to understand your situation, community, and goals.

2

Fiduciary Audit

We review your pension, benefits, tax exposure, and current portfolio for gaps.

3

Custom Plan

A niche-specific strategy built around your community's exact rules, not a template.

4

Ongoing Investment Management

We manage your investments for a fee based on the assets we manage, with regular reviews and quarterly research as your life changes.

Book a Free 15-Min Call

What working with us looks like, step by step, and what it costs →

Common Questions

Who does Sirmium Capital work with?

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.

What does Sirmium Capital charge?

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.

What does it mean that Sirmium Capital is a fiduciary?

As a New York state-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.

How do I get started with Sirmium Capital?

Book a free 15-minute introductory call. No obligation. Bring your pension estimate, 457(b) or TSP balance, and any specific questions. Schedule here → Every step after the call is on Working With Us.

Quarterly Equity Research.
Free. Every Quarter.

William Harrison's quarterly letter delivers concentrated value investing analysis, portfolio strategy, and long-term capital allocation insights, written for investors who think in years, not quarters.

Buffett/Munger-influenced equity research from Sirmium Capital's CIO. One issue per quarter.

Read Will's latest research letter →

Subscribe to Inside the Portfolio

William Harrison's quarterly equity research letter. Free, no spam.

Retirement planning for those who served.

Four Communities. One Fiduciary Standard.