Crestwood, KY Office

ROI Financial Group provides financial planning and both discretionary and non-discretionary investment management to individuals, high net worth clients, family offices, trusts, estates, private foundations and qualified retirement plans. The firm’s brochure also describes advisory services for retirement plans, including recommending and monitoring plan investment options and assisting with investment policy statements.

ROI says it tailors advice to each client’s objectives and financial circumstances, relying primarily on fundamental analysis and a generally long-term strategy while retaining flexibility for shorter-term trades when appropriate. Its investment universe includes mutual funds, ETFs, equities, options, corporate bonds, REITs, annuities and, when suited to a client, alternative or private investments, and the firm also provides standalone financial planning as a separate engagement billed on a fixed-fee basis.

Noteworthy items in the brochure include that ROI was newly registered and reported no assets under management at the time of filing, and that it combines both asset-based advisory arrangements and fixed-fee planning engagements. The brochure also discloses that certain personnel are registered representatives of LPL Financial and licensed insurance professionals and that the firm participates in LPL’s custodial platform—relationships the firm identifies as creating potential conflicts of interest that it addresses through disclosure and policies.