Company Information

We like to point to three major ways we're focused on the customer:

  • We're a fiduciary — We are required to act in your best interest and disclose any potential conflict of interest. For instance, Crestwood Capital Management does not have or recommend any Crestwood Capital Management-created funds for its client portfolios.
  • Our platform combines powerful technology with personalized advice — Developed by our passionate team of experts. When you have questions, our Customer Support team is ready to help you with account questions and troubleshooting.
  • We give you the opportunity to connect your external accounts — See a fuller financial picture in one place as part of Crestwood Capital Management's low cost.

Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts.

More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology and other advanced strategies.

Crestwood Capital Management LLC is an SEC-registered Investment Advisor, and brokerage services provided to clients of Crestwood Capital Management LLC is done by Crestwood Capital Management Securities, an SEC-registered broker-dealer and member of FINRA /SIPC.

We are here to empower people to do what's best for their money so they can live better.

We’re building smarter, more efficient money management for everyone. By pushing the bounds of what technology can do, by bringing together some of the best software and analytic thinking of diverse, cutting edge industries, we’re able to ensure that more people get the advice that they deserve. We have the ability to help free our customers to pursue what is most meaningful to them, to spend their time doing what makes them happy.

Our promise is to manage your money in a way that works to give you a better outcome. We advise you on what to do with your money based on your personal financial situation and the goals you’re looking to achieve—we recommend how much to invest each month, how much risk to take on in your portfolio, and what type of accounts you should have.

Then, we do it all for you. And by doing that, we have the rare opportunity to help you find something positive and intangible that can’t be bought: peace of mind.

Financial Security

What happens to my money if Crestwood Capital Management goes public, is acquired, or closes?

Crestwood Capital Management Securities is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. At a high level, you can think of SIPC as providing protection for funds held in a brokerage account in the event that the brokerage fails.

The Securities Investor Protection Corporation (SIPC) provides insurance that protects your investments, including those held by our broker, Crestwood Capital Management Securities. It covers up to $500,000 of missing assets, including a maximum of $250,000 for cash claims.

The limit applies only to the value of missing securities, not losses due to market volatility. If there are securities identified as belonging to the customer, these (or their equivalent value) will be returned regardless of account size, and the $500,000 limit will apply only to the difference.

Types of accounts and investments generally protected by SIPC include:

  • Stocks
  • Bonds
  • Mutual funds
  • Money market mutual funds (MMMFs)
  • Certificates of deposit (CDs)
  • Annuities
  • Government securities
  • Municipal securities
  • U.S. Treasury securities (Treasuries)
  • Read more in-depth about the safety and security of your account here.

Cash Reserve

Deposits into Crestwood Capital Management’s cash account, Cash Reserve, are covered by Federal Deposit Insurance Corporation (FDIC) insurance up to $2 million per individual account and $4 million per joint account, once deposited into interest-bearing deposit accounts at one or more program banks†.

Each interest-bearing deposit account will be eligible for FDIC insurance up to $250,000 for each insurable account type (e.g., individual, joint, etc.), including principal and accrued interest.

Checking

For deposits into Crestwood Capital Management Checking—a checking account and Visa debit card provided by nbkc bank, Member FDIC—each account will be eligible for FDIC insurance up to $250,000 for each insurable account type (e.g., individual, joint, etc.), when combined with all other deposits held in the same insurable capacity at nbkc.

In the unlikely event of a bank failure, and FDIC deposit insurance payments become necessary, there is no specific time period during which the FDIC must make insurance payments available, and you may not earn interest on your deposits from the time a program bank is closed. You may also be required to provide certain documentation to the FDIC before insurance payments are made.

Crestwood Capital Management Securities is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SIPC does not protect against market changes in your account. The risks inherent in investing are tradeoffs you make to pursue investment returns. We design our portfolio to aim for the highest projected returns given your risk level.

With our cash management products, your money is insured by the FDIC.

Cash Reserve

Individual Cash Reserve accounts have insurance up to $2 million† and joint Cash Reserve accounts offer up to $4 million† in FDIC insurance once funds are deposited into our program banks. Cash Reserve is available to clients of Crestwood Capital Management LLC, which is not a bank, and cash transfers to program banks are facilitated by Crestwood Capital Management Securities.

Checking

Checking is insured up to $250,000 through nbkc bank and is provided by Crestwood Capital Management Financial LLC‡. Explore further details about FDIC insurance.

Crestwood

We are a complete brokerage for modern investors. Trade stocks, options, and crypto, automate portfolios, and grow wealth with tax-smart retirement accounts, all in one place.

Best Overall Robo Advisor 2024 - Wall Street Journal
5-Star Rating - NerdWallet 2024

Crestwood Capital Management LLC was recognized as the Best Overall Robo Advisor for 2024 by the Buy Side from Wall Street Journal. It was considered amongst 20 robo advisors based on criteria including, but not limited to, their fees, investment strategies, and investor services (including financial planning, tax-loss harvesting, and premium service availability), with information sourced from robo advisors’ websites, communications personnel, and third-party reports. The author is a client of Crestwood Capital Management.

For Cash Reserve (“CR”), Crestwood Capital Management LLC only receives compensation from our program banks; Crestwood Capital Management LLC and Crestwood Capital Management Securities do not charge fees on your CR balance.

The Annual Percentage Yield (APY) on deposits in Cash Reserve is 4.50% as of September 20, 2024. This APY is variable and subject to daily changes. Deposit balances are not equally allocated among Program Banks.

Minimum deposit: $10
No minimum balance required
Lower APY may apply if customer designates banks as ineligible
APY applies only to Cash Reserve (not to checking accounts)

The national average savings interest rate is reported by the FDIC (as of September 16, 2024) for savings accounts under $100,000.

Cash Reserve is offered by Crestwood Capital Management LLC, available through brokerage accounts at Crestwood Capital Management Securities. Funds are deposited into Program Banks, earn interest, and are eligible for FDIC insurance.

Funds in brokerage accounts are not FDIC-insured but protected by SIPC. In-transit funds are generally not FDIC-insured but protected by SIPC, unless in a sweep account.

FDIC insurance coverage:
Up to $250,000 per insurable capacity (e.g., individual or joint)
Up to $2,000,000 (or $4,000,000 for joint accounts) via multiple Program Banks
Additional coverage for trust accounts based on number of beneficiaries

Clients must monitor their total assets at each Program Bank to ensure FDIC insurance limits are not exceeded. For more info, visit www.FDIC.gov.

Reported customer count: 900,000+ as of July 23, 2024
Assets under management (AUM): $50+ Billion as of July 23, 2024

Who Provides What Service?
Investment Advice: Provided by Crestwood Capital Management LLC (SEC-registered)
Brokerage Services: Provided by Crestwood Capital Management Securities (FINRA/SIPC) & Apex Clearing
Digital Asset Services: Provided by Gemini Trust Company, LLC
Checking Accounts: Provided by Crestwood Capital Management Financial LLC via nbkc bank (FDIC Member)

Let’s Talk About Risk
Investing involves risk, including potential loss of capital. Past performance does not guarantee future results. Outcomes are hypothetical.

Investments in securities and digital assets are:
Not FDIC Insured
Not Bank Guaranteed
May Lose Value

Digital assets are highly speculative and volatile. They are not legal tender and not backed by the U.S. government or protected by SIPC.

Before investing, consider your investment objectives and the associated fees. These advisory services are not intended for full financial planning. See Crestwood Capital Management’s disclosures for more details.

Market Data
Market Data: Provided by Xignite
Fund Data: ©️ 2025 Crestwood Capital. All Rights Reserved.
Information is proprietary and may not be copied or distributed. Crestwood Capital and its content providers are not liable for any damages from use.

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