Raaf Investment Advisors, LLC

Raaf Investment Advisors provides discretionary investment management and related financial planning services to individuals, high‑net‑worth clients, and small business owners, with work that includes retirement planning, estate‑planning education, cash‑flow management and asset allocation. Financial planning services are offered only to existing advisory clients and are generally provided without an additional charge to clients with at least $300,000 in invested assets.

The firm follows an active, asset‑allocation driven approach: it establishes long‑term target allocations in a written investment policy statement and implements tactical overweight and underweight positions based on market views, with those tactical positions commonly held for weeks to several quarters. Raaf implements its allocations primarily through a vetted “Select List” of actively managed mutual funds and passive index funds, screening managers and funds on metrics such as risk‑adjusted returns, manager tenure, expense ratios and tracking error, and relying on traditional fundamental and technical research.

Noteworthy aspects of the firm include a relatively small discretionary asset base (about $62.5 million under management as of December 31, 2025) combined with advisor professional credentials (CFA and CFP) and a practice of providing no‑charge financial planning to incumbent clients meeting the asset guideline. The firm generally does not vote client proxies—leaving voting responsibility to clients—and may engage sub‑advisers when appropriate, arrangements that distinguish its operational practices from many peers.