Ruth

Ruth provides investment advice to individual retail clients through a single, long-term buy-and-hold strategy that gives exposure to the U.S. large-cap equity market via the SPDR S&P 500 ETF (SPY). Services are delivered through a digital-first, non-discretionary platform where clients open and maintain brokerage accounts with the firm’s designated custodian and place their own trade orders.

The firm’s approach centers on a single ETF exposure and optional nonrecourse margin that eligible clients may elect; suitability for the strategy and for leverage is determined by an onboarding questionnaire and ongoing automated monitoring. Ruth does not exercise trading discretion for ordinary orders, instead using event-driven reviews and behavioral flags to reassess client eligibility and to prompt client updates when circumstances change.

Compared with many peers, Ruth uses a per-account flat advisory fee rather than an asset-based fee schedule and targets retail investors by not imposing net-worth or income thresholds and by requiring a modest initial funding amount. The firm also offers affiliated lending (nonrecourse margin loans) and may receive compensation through the custodian’s cash-management program—conflicts it discloses and manages—while declining to act as a private fund adviser and limiting its advice to the single SPY-based strategy.