BlackBear Capital is an independent fee-only Registered Investment Advisor (RIA) based in West Virginia. We specialize in investment management and financial planning for individuals, families, nonprofit institutions, and small to mid-sized companies. As a full-time fiduciary, we are obligated to put your interests first at all times. We do not sell any financial products, nor do we earn commissions. Our only compensation is the management fee you pay us. If you're looking for a financial advocate, please connect with us. This page is a publication of Blackbear Capital LLC. The firm is registered as an investment adviser with the State of West Virginia and only conducts business in states where it is properly registered/notice filed or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of any topics discussed. All expressions of opinion reflect the judgment of the authors on the date of the post and are subject to change. All investments and investment strategies have the potential for profit or loss. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as personalized financial advice. Legal and tax advice is general in nature. You should always consult an attorney or tax professional regarding your specific legal or tax situation. Blackbear Capital LLC is not engaged in the practice of law.