Row Your Own Boat

Row Your Own Boat provides ongoing portfolio management through discretionary engagements, preparing investment guidelines and customized portfolios based on each client’s objectives and constraints. As described in its brochure, the firm offers management services to individuals (including non‑high‑net‑worth clients), small businesses, foundations, and charitable organizations, and reported $544,414 of discretionary assets under management as of December 31, 2025.

The firm uses a blend of fundamental, charting/technical, and cyclical analysis and combines active and passive management depending on client goals, risk tolerance, and time horizon. Active allocations are focused on areas the firm identifies as offering market inefficiencies — including micro‑ and small‑cap equities, high‑yield bonds, emerging markets, and alternative investments — and the firm may employ covered‑call and protective‑collar option strategies to enhance income or manage downside risk.

Noteworthy for a manager in this category, the brochure highlights the firm’s willingness to serve individual, non‑HNW clients, which is uncommon among investment managers that primarily oversee pooled or institutional assets. The firm also discloses operational practices that may matter to prospective clients: it typically recommends a particular custodian (Interactive Brokers) and participates in that custodian’s advisor support program, and it does not vote client proxies on their behalf.