Valley Springs, CA Office

Desert Rose Capital Management provides discretionary and non-discretionary portfolio management and sub-advisory services to individuals (including high-net-worth clients), trusts, estates, retirement plans, and other registered investment advisers, and it manages separately managed accounts as well as a pooled investment vehicle available to accredited investors. The firm also facilitates access to private placements and alternative investments for suitable clients and coordinates related administrative and custodial arrangements.

The firm’s investment approach emphasizes the use of exchange-traded options—frequently long-term call overlays—paired with income-producing, lower-volatility assets to seek downside mitigation while participating in market appreciation, supported by proprietary algorithms and software for trade selection and portfolio adjustments. Desert Rose conducts detailed due diligence and ongoing integration of private investments into client portfolios and serves as the investment manager for a pooled vehicle that primarily acquires permanent life insurance policies and underwrites loans collateralized by policy cash values.

Desert Rose is atypical for its peer group in combining sub-advisory work for other RIAs with sponsorship and management of a pooled vehicle and related private-investment activities, and it maintains affiliated lending and insurance businesses that create intercompany conflicts disclosed in its offering materials and mitigated through disclosures and governance. The firm also does not position standalone financial planning as a core service, a feature that is less common among multi-advisor firms of its size.