Registered Investment Advisors, LLC

The firm provides fee-only, discretionary portfolio advisory services to individuals, families, and small-to-mid-size businesses, delivering model portfolios that can include individual stocks, bonds, ETFs, and mutual funds. Portfolios are customized to client facts such as age, net worth, and risk tolerance and may include an options-based or non-options strategy.

The advisor’s investment approach emphasizes fundamental financial-statement analysis and return-on-equity comparisons to construct core portfolios intended for long-term growth and sustainable income. To manage downside risk the firm employs option-based hedges—including purchasing protective puts on broad market indexes—and the brochure discloses that it may use other derivatives and borrowing (margin) in separately managed accounts, which can increase transaction costs and introduce additional risks.

Operating as a single-advisor, state-registered firm founded in 2022 with about $39.7 million in assets under management and roughly 58 clients, the firm discloses multiple outside business activities of the owner and describes policies to identify and mitigate related conflicts of interest. The firm also does not vote client proxies (clients retain that responsibility) and provides quarterly account reviews and performance reporting upon request, practices clients should weigh alongside its use of derivatives and borrowing.