Rational Investment Management, LLC

Rational Investment Management provides discretionary investment supervisory services primarily to individual and high‑net‑worth clients, managing roughly $402.6 million with a small advisory team. The firm’s brochure also discloses that it serves a limited number of non‑retail entities — including banking/thrift institutions, insurance companies, state or municipal governments, other investment advisers, and a sovereign wealth fund — client types that are uncommon for firms of this size.

The firm develops client‑specific Investment Policy Statements to document objectives, tax considerations, and risk tolerance, then implements those plans mainly with institutional asset‑class mutual funds and ETFs (including DFA and Avantis products). RIM cites research sources such as DFA white papers and Schwab Institutional materials and typically operates on a discretionary basis, executing trades through its chosen custodian.

A disclosed operational feature is an affiliation between one principal and a separate accounting practice, which the brochure notes could create conflicts of interest and is managed through periodic internal oversight. Also atypical for a small team, the firm manages a relatively large asset base while declining to participate in wrap programs or accept performance‑based fees, relying on third‑party custodians for custody and reporting.