Riverland Wealth Management

Riverland Wealth Management is a fee-only registered investment adviser that serves individuals (including high-net-worth clients), charitable organizations, and businesses. The firm offers discretionary investment management, project-based financial planning, and retirement plan consulting, and makes Charles Schwab institutional 529 investment options available to clients.

The firm’s investment process applies modern portfolio theory and asset-allocation principles, combining passive and active fund selection with fundamental and cyclical analysis; alternative investments are recommended only when suitable and not invested into directly on a discretionary basis. Accounts are managed on a discretionary basis with quarterly reviews, and clients may impose written investment restrictions while generally being positioned for long-term holdings with occasional short-term trades as appropriate.

Riverland is notable for a relatively large client roster given its size — it serves 319 clients with two advisers — and for operational choices that differ from many peers, such as executing trades on an individual rather than aggregated (block) basis. It also maintains standing letters-of-authorization for a substantial subset of clients (142 clients representing about $17 million) and relies on custodial statements for account reporting rather than producing separate in‑house performance reports.