Curtis C. Rose & Associates

The firm provides discretionary portfolio management for individuals, trusts/estates, and small businesses, beginning with a free initial consultation to document objectives, risk tolerance, and trading authority. It generally manages household accounts subject to a stated account minimum (waivable in some cases) and accepts certain smaller employee retirement or custodian accounts from existing households.

Investment decisions blend fundamental and technical analysis and are tailored to client goals, using passive fixed‑income and index exposures for capital preservation and active equities/ETFs for growth when appropriate. The firm maintains a standing minimum cash allocation (about 5%), monitors accounts daily, may increase cash allocations substantially during periods it deems high risk, and employs leveraged‑inverse ETFs on a limited basis only in larger accounts (with strict caps) as a hedging tool.

Notable distinctions include an explicit, unusually flexible approach to downside management—permitting very large temporary cash positions and limited use of leveraged inverse ETFs—and a consistent, hands‑on discretionary trading model overseen by a long‑tenured investment professional. The adviser also relies on a single recommended custodian platform that provides execution and research (soft‑dollar benefits) and will undertake substantial special projects or research on a separate hourly basis when agreed with a client.