Personal story
A friendship before a partnership.
David and Mike first met through their daughters’ Special Olympics basketball team. Their friendship grew through their families before they became business partners.
For Individuals, Families & Single-Family Offices
Invest for the life you lead—and the generations ahead.
An understandable approach, carried out with expertise and discipline, for your portfolio or a specific allocation alongside your other advisors.
Core approach
Straightforward principles. Disciplined implementation.
Start with what the money is for and when it may be needed. Build appropriate liquidity for nearer-term obligations and invest patient capital with its longer horizon in mind. Keep ownership understandable, pay attention to costs and taxes, and maintain the portfolio with discipline over time.
Give time a role
Distinguish near-term needs from capital intended for longer-term growth and future generations.
Support compounding
Seek to limit unnecessary costs, tax realization, and interruptions to a considered long-term plan.
Understand what you own
Make the purpose of each allocation and the nature of its risks clear.
Maintain the plan
Combine human investment judgment with technology that supports cash allocation, portfolio monitoring, and implementation.
Portfolio implementation
Different roles. One coordinated view.
Fixed income and cash can support liquidity, income, and other defined needs. Passive equity exposure can serve long-term growth objectives, using low-cost funds or direct indexing as appropriate. For suitable taxable accounts, tax-loss harvesting is another implementation tool. The mix reflects your circumstances and preferences; it is not a standard allocation prescribed for every family.
Education and continuity
Help the next generation understand the responsibility.
We work with family members to explain what they own, how the approach works, and why discipline matters. We also encourage older generations to pass along the experience, values, and perspective that help younger generations become thoughtful stewards.
Wealth serves a purpose: supporting meaningful lives, family priorities, and generosity. An understandable approach helps families carry those intentions forward.
Coordination
Investment decisions within the larger picture.
We work with your estate attorney, accountant, and other advisors so investment management reflects the wider context. When needed, we can suggest professionals to help with other aspects of your affairs.
Alignment
Clear incentives. Shared commitment.
Paid solely by clients
RCM is paid solely by its clients. We receive no commissions, revenue sharing, referral compensation, or payments from investment-product providers.
Investing alongside you
Our founders invest their own capital alongside clients using the same investment approach.
The Roosevelt Brief
Explore our thinking.
Invest for Your Time Horizon
Different needs call for different roles for equities, bonds and cash.
Read the briefWhy Own Bonds?
Why the highest long-term return is not the only consideration in a portfolio.
Read the briefActive or Passive?
The evidence behind RCM’s active bond management and simple equity implementation.
Read the brief
A conversation is the first step