Ross Financial Group

Ross Financial Group is a small, solo-registered investment adviser that provides tailored portfolio management and ongoing consultation to a mix of individual and institutional clients, including foundations, trusts, estates, charities and corporations. The firm documents client objectives and creates customized investment policy statements, and it offers a proprietary option called the "Tides Portfolio" alongside discretionary account management.

The firm's investment approach for the Tides Portfolio is concentrated and ETF-focused, typically holding fewer than five positions and favoring mid-cap exposures via low-cost index ETFs with relatively low turnover tied to bull and bear market cycles. The brochure states a specific performance objective for that strategy — to outperform the Dow Industrial Average over time by at least the firm’s annual management fee — and notes that formal tax-minimization is not built into the strategy.

A few operational and business features in the brochure are less common among similar supported firms: the firm discloses an explicit performance objective and discusses performance communications, and it notes that some members may act as licensed insurance agents and receive commissions, creating potential conflicts of interest. The firm also describes procedures that distinguish certain client arrangements — for example, custodial fee deductions calculated daily and the advisor covering brokerage costs for accounts invested in the Tides Portfolio — items called out in the disclosure materials.