Corvallis, OR Office

Red Spruce Capital provides discretionary investment management and related advisory services to individuals (including high-net-worth clients), personal trusts, estates and corporations, and offers retirement-account rollover advice with acknowledgment of fiduciary duties under ERISA/IRC when applicable. The firm focuses on customized portfolio construction using individual securities, mutual funds and ETFs and does not place client assets into wrap fee programs or act as custodian.

The firm’s investment process emphasizes fundamental analysis and a generally long-term orientation, documented in individualized investment policy statements and targeted asset allocations. Red Spruce may nevertheless implement shorter-term trades for rebalancing or tactical purposes and uses tools such as cash hedges, options and margin or short-sale strategies when managing client exposures, all executed under discretionary authority.

Compared with peers, Red Spruce is notable for its willingness to use borrowing in separately managed accounts to manage timing and exposure, a practice that is less common among similar team firms and that increases complexity and risk. The advisory team of four manages roughly $257 million across about 143 client accounts, operates on a fee-only basis, and reports limited outside affiliations and no participation in soft-dollar programs.