Lindon, UT Office

R.O.I. primarily serves individual clients and couples, managing roughly $97 million across about 160 client relationships and offering active investment management, comprehensive financial planning, active retirement planning, and ongoing client communications such as a monthly “Taking Care of You” newsletter. Clients with $50,000 or more in assets under management receive the full suite of services; smaller accounts receive core investment management and limited reporting.

The firm manages accounts on a discretionary basis using model allocations that range from Ultra Aggressive to Protective, a proprietary Best Funds List, tactical asset allocation, regular rebalancing, and tax‑aware loss harvesting. R.O.I. executes through Fidelity’s Investment Adviser Network and explicitly incorporates independent mutual fund rating software and external financial publications into its process for identifying top‑quartile funds for client portfolios.

Distinctive features include a family‑managed, committee delivery model in which multiple supervised persons participate in client work and meetings, and an emphasis on direct client access and communications. The ADV also documents client‑facing marketing elements — including referral credits, regular newsletters, use of client perspectives in marketing materials, and the firm’s reliance on third‑party ratings and research to support its Best Funds List — practices that are less common among similar small advisory teams.