Row Your Own Boat

Row Your Own Boat is an independent, state-registered investment adviser that provides ongoing, discretionary portfolio management to individuals, high-net-worth clients, small businesses and nonprofit institutions such as foundations and charitable organizations. The firm focuses on supervised investment management engagements and does not offer traditional financial planning or wrapped advisory programs.

The firm constructs customized portfolios using a mix of fundamental, technical, charting and cyclical analyses, beginning with client-specific investment guidelines addressing objectives, time horizon and risk tolerance. It employs both passive index‑based holdings for cost control and active strategies where deemed appropriate, including micro‑ and small‑cap equities, high‑yield debt, emerging‑market exposure, alternative vehicles and covered‑call/protective‑collar option strategies.

Notably, despite modest assets under management, the firm discloses that it will manage institutional clients such as foundations and charitable organizations, a client type that is relatively uncommon among peers of this size. Other operational features highlighted in the brochure include a recommended custodian platform and advisor‑support program for execution and back‑office services, and a policy that leaves proxy voting and class‑action participation decisions to clients.