Compass Rose Financial Planning & Investment Management
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About
Compass Rose Financial Planning & Investment Management is a fee-only advisory firm that provides integrated financial planning and asset allocation and portfolio monitoring services for individual households and families. The firm reports approximately $155.5 million of non-discretionary client assets under monitoring as of December 31, 2024.
The firm uses MoneyGuidePro for financial planning, applies Modern Portfolio Theory for portfolio construction, and relies on Morningstar research and low‑expense considerations when selecting mutual funds and ETFs; advisers present an Investment Policy Statement and implement changes only with client approval. Portfolios are generally managed on a long‑term basis, reviewed at least semi‑annually, and rebalanced or adjusted following client consultations to address tax and risk‑tolerance considerations.
Compared with many investment-manager peers that run pooled or institutional discretionary mandates, Compass Rose operates as a small, single‑adviser, fee‑only practice focused on combining planning with non‑discretionary monitoring and does not charge performance‑based fees or vote client securities. The firm recommends Schwab as its primary custodian and receives institutional support services from Schwab—an operational resource the brochure discloses as a potential conflict of interest.
Client services
Expertise
Fee options
$500,000 - $999,999: 0.85% $1,000,000 - $1,999,999: 0.75% $2,000,000 - $2,999,999: 0.65% $3,000,000+: Negotiable
Account minimum: $500,000 Fee-only: Fee-only investment advisory services; no commissions received.
Main office
333 North Palm Canyon Drive, Suite 112 A
Palm Springs CA 92262
Advisors at this office
1
Most active in
California
Also doing business as
Compass Rose Financial Planning · Compass Rose Financial Planning & Investment Management · Compass Rose Financial Planning, Inc. · Machado, Robert Thomas
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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