Frequently Asked Questions
What is your investment philosophy?
We believe active investment management is a better solution than “buy and hold” strategies, especially for those clients who are looking to better control risk within their portfolios.
Do you provide financial planning?
No, we are a firm that is solely focused on investment management. We don’t provide financial planning services such as budgeting, cash flow analysis, insurance products, etc.
Are you a CFP?
John Rothe is a Chartered Market Technician (CMT). Those who earn the CMT charter hold the highest credential within the discipline of technical analysis of capital markets.
CMT Charterholders employ advanced knowledge in analyzing and interpreting market action, which includes quantitative approaches to market research and rules-based trading system design.
How does your firm get paid?
Riverbend is an independent, fee-only investment advisor. Our fee is based on a percentage of assets managed by us.
Accounts under $1 Million, are charged a flat fee of 2%. Accounts over $1 Million are negotiable. There are no commissions or additional fees from us.
For comparison, the average actively mutual fund can have a total cost of over 4%:
Where will my account be held?
Accounts are held at TD Ameritrade Institutional. They provide back-office and trading support as well as insuring client accounts above SPIC levels providing an additional $149.5 million worth of protection for securities and $2 million of protection for cash through supplemental coverage provided by London insurers.
We do not take custody or possession of your savings. You can learn more about our relationship with TD Ameritrade here.
Do you have a minimum?
Yes. We require a minimum relationship size of $250,000. This can be made up of a combination of accounts (IRA, Roth IRA, Trust, Taxable, etc)
Do you work with investors outside of the Rehoboth Beach area?
Absolutely. We have long-standing client relationships with investors across the US. We can meet remotely via Zoom, telephone, email, and more. As long as you live in the US, you’ll be well taken care of.
How can I start?
You can schedule an introductory call here: Schedule a Call
This 20-minute call is a “get to know you” call to gain a high-level summary of your goals, concerns, and unique financial situation.
If we aren’t the right fit, we will work to guide you toward resources that are better suited to your financial needs.
Still Have Questions?
Don’t hesitate to reach out to us anytime