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 portfolios grow in rising markets and be protected from major market drops — a concept that seems to be ignored by many financial advisors.

We are a fee-only fiduciary Registered Investment Advisor (RIA).

Background – John Rothe, CMT

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

Morgan Stanley

    • Vice President, Investments

Oppenheimer & Co

    • VP, OMEGA Portfolio Manager

Education

    • 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

Organizations:

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

Are you a CFP (Certified Financial Planner)?

Our firm is not a financial planning firm, we don’t do budgeting, insurance planning, etc. We are primarily portfolio managers with a focus on growing your money in up markets and protecting it in down markets.

John Rothe holds the Charted Market Technician® designation. — Chartered Market Technician (CMT) is a designation for technical analysts awarded by the CMT Association. Those who earn a CMT demonstrate mastery of investment risk in portfolio management, including quantitative approaches to market research and rules-based trading system design and testing.

The Chartered Market Technician® (CMT) credential is the preeminent, global designation for practitioners of technical analysis. Awarded to those who demonstrate mastery of a core body of knowledge of investment risk in portfolio management settings.

How big is your firm?

Riverbend is a boutique firm serving clients who are looking for actively managed investment strategies instead of a “buy and hold” investment style.

We manage approximately 75 accounts including individuals, trust accounts, retirement accounts, & foundations. Our ideal clients typically have investable assets ranging from $250,000 to $5 million.

We feel that our firm is able to provide superior client service and is able to be more nimble to market changes due to its size. While being able to provide the same resources as a large Wall Street firm due to our relationship with TD Ameritrade Institutional.

At Riverbend, you are not one of hundreds – or even thousands – of clients who are given the same cookie-cutter approach with their portfolios.

Do you work with clients outside of the Rehoboth Beach area?

Yes. We have clients that are located around the county. Phone, email, and Zoom meetings are resources we use to keep in touch.

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