RO2 WEALTH

RO2 Wealth provides portfolio management, financial planning, and consulting services to client households and related entities, offering both discretionary and non‑discretionary management, goal‑based planning, and business and education planning. The brochure describes assets held at qualified custodians and technology‑enabled delivery (phone, video, chat, and third‑party planning software) and reports $2,078,074 in non‑discretionary assets under management as of December 31, 2025.

The firm’s investment approach is primarily long‑term and guided by Modern Portfolio Theory, relying largely on index mutual funds and ETFs for broad diversification while also employing fundamental, technical, and macroeconomic analysis when appropriate. For its Managed offering RO2 Wealth uses model portfolios (each treated as a separate billable model) and may execute shorter‑term trades for rebalancing or tax reasons, noting that tax efficiency is not the default objective unless agreed in writing.

RO2 Wealth’s fee structure is atypical for its category: it does not use percentage‑of‑AUM fees and instead offers flat annual/quarterly package pricing, an hourly retainer ($300/hour), and model‑based flat fees (e.g., a base managed model fee and per‑model add‑ons). The firm also subcontracts certain implementation services to unaffiliated tax and estate vendors, participates in Schwab Advisor Services for custody and practice support, and operates with a single principal who is the firm’s sole employee, with continuity plans that would dissolve the entity in the event of the principal’s death.