Roserock Wealth Management, LLC

RoseRock Wealth Management provides advisory services to individuals, high net worth individuals, trusts, estates, pension and profit-sharing plans, and charitable organizations, offering wealth management, investment management via proprietary model portfolios, financial planning, and retirement-plan advisory (3(21)) services. The firm delivers both discretionary and non-discretionary portfolio management using primarily ETFs and mutual funds and may assist in aggregating or managing held-away accounts through third-party access platforms.

The firm’s investment approach is primarily long-term and grounded in modern portfolio theory, supplemented by fundamental analysis when appropriate, with model portfolios built largely from no-load institutional funds and ETFs. RoseRock may implement unaffiliated independent managers for portions of client portfolios and, notably, may use short-term margin borrowings in managed accounts to meet liquidity needs or client objectives, a practice for which the brochure discloses attendant margin-call and leverage risks.

Distinctive features noted in the brochure include the firm’s willingness to permit margin within managed accounts — a practice uncommon among similar supported firms — and its regular use of institutional-only funds (e.g., Dimensional and Stone Ridge) that typically require advisor access and may affect portability. The firm also discloses an institutional custodian relationship that provides economic and soft-dollar benefits (used for technology and related services), and it bears platform costs for certain third-party access arrangements; these arrangements and potential conflicts are described in the disclosure.