Frequently Asked Questions:

What is your investment methodology?

We use active investment strategies that are designed to be adaptive to the ever-changing conditions of the market.

Our objective is to reduce portfolio risk and limit declines while providing growth by using a proactive, quantitative approach to investing.

What services do you offer your clients?

We are investment managers with a focus on risk-managed investment strategies.

Our typical client is approaching retirement and looking to protect and grow their nest egg while minimizing risk.

What is your account minimum for new clients?

We currently have a minimum account size of $250,000. This can include a combination of brokerage and retirement accounts, savings, etc.

What is your firm’s fee schedule?

We are a fee-only investment advisor. We charge an annual fee of 2%, which includes active management of your portfolio, as well as ongoing oversight of your account.

(For accounts over $1,000,000, the fee is negotiable.)

Where will my account be held?

We use a 3rd party custodian, TD Ameritrade Institutional. You can read more about our relationship with TD Ameritrade here (PDF)

How is my account protected?

TD Ameritrade is a member of the Securities Investor Protection Corporation (SIPC). Securities in your account are protected up to $500,000, with a cash limit of $250,000.

Additionally, TD Ameritrade Institutional provides each client $149.5 million worth of protection for securities and $2 million of protection for cash through supplemental coverage.

What is your background/firm history?

Riverbend was formed in 2006 by John Rothe to provide our clients with institutional-style investment strategies to help their portfolio grow in rising markets and be protected from major market drops — a concept that seems to be ignored by many financial advisors.

You can view our ADV on the SEC’s Investment Adviser Public Disclosure website at

Background – John Rothe

John has been managing client assets for nearly 25 years. Some highlights include:

Morgan Stanley

    • Vice President, Investments

Oppenheimer & Co

    • VP, OMEGA Portfolio Manager


    • University of Maryland, Finance

Licenses Held:

    • Series 3 – National Commodities Futures Examination
    • Series 7 – General Securities Representative Qualification Examination
    • Series 24 – General Securities Principal Qualification Examination
    • Series 63 – Uniform Securities Agent License
    • Series 65 – Uniform Investment Adviser Law Examination


    • NAAIM – National Association of Active Investment Advisors
    • CMT – Chartered Market Technicians Association
    • XYPN – XY Planning Network

Where can I find reviews, testimonials, clients I can speak to, etc?

Under their current rules, the SEC prohibits the use of testimonials. Additionally, our privacy policy does not allow us to share any client information.

Where can I learn more?

The best way to learn more is to contact us directly: Contact Us