R.O.I.
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R.O.I. provides two major services:
  1. Comprehensive Financial Planning, and;
  2. Active Investement Management.

1.  Comprehensive Financial Planning (see also, Philosophy):

Analyses – R.O.I. performs the following analyses for clients: Cash Flow, Taxes, Kids'/Grandkids' Goals, Retirement (including Monte Carlo probablilty, Required Minimum and 72t Distributions), Death, Disability, Long Term Care, Estate Liquidity, and Estate Planning;

Consulting – R.O.I. consults with clients, as needed, about Stock Options, Business, Asset Protection, Estate, and Income Tax planning, and follows up with other professionals needed to implement plans;

Insurance, Investments & Retirement Plans – As a result of Analyses and/or Consulting, R.O.I. can provide or assist clients in obtaining needed (usually transaction free, no-load or low-load) insurance (life, disability, long term care, and medical), investments (e.g., mutual funds, managed accounts, and annuities), and various retirement plans (IRAs, Roths, Simple IRAs, SEPs, Keough, Profit Sharing, Defined Benefit, and One Person 401-k Plans), including tax free roll overs of employer plans to IRAs and Roth IRAs. 

 2.  Active Investment Management:

R.O.I. doesn’t believe it can outsmart the markets, therefore its investment strategies are generally long term in nature and more conservative, rather than short term, timing, trading, or other quick return and/or leveraged profit strategies.

The first step in the Active Investment Management process is to identify an average, long term, target return. This begins with the Analyses, above, because they identify if a client must obtain a certain average, long term, target return to reach goals. If a client is independently wealthy or will easily reach goals regardless of portfolio returns, we then focus more on the client’s risk personality to identify the average, long term, target return.

The best way to obtain the average, long term, target return is to Participate In Up Markets and Control Participation In Down Markets – accomplishing both of these objectives results in a positive performance gap between R.O.I. clients' portfolios and most other investors (see, R.O.I. Investment Returns). This controls portfolio volatility, or in other words, makes the swings smaller (especially in down markets) or reduces risk. This is accomplished by:

  • Appropriate Asset Allocation Decisions (elements of Modern Portfolio Theory) – R.O.I. looks back over Secular Markets (long periods of 10-20 years) to see what Asset Allocations have generated the target return while controlling volatility.  Asset Allocation decisions are then made based upon the current Secular Market we are in (Secular Bull, Bear, or Blah Market);
  • Filling Asset Allocation Decisions With The "Best Funds" – The Asset Allocation Decisions are filled by choosing mutual funds (with the exception of occassional Early Redemption Fees (ERFs), always no-load and no-transaction fee funds) from R.O.I.’s "Best Funds" list for each Asset Class (the top 25% in each Asset Class), thus employing on clients’ behalf some of the very best mutual fund managers in the world. Because R.O.I. believes it is using some of the very best mutual fund managers in the world in each Asset Class, R.O.I. doesn’t assume it can do a better job picking individual stocks and bonds, in the long run, than its mutual fund managers;
  • Diversifying Management Styles to avoid too many mutual fund managers walking in "lock step" by using similar styles, e.g., Growth vs. Value style;
  • Controlling Sector (i.e., Industry) Concentration to avoid too much allocation to any one industry;
  • Monitoring "Best Funds" with regular reviews of a wide variety of criteria to see that each fund is performing within expectations, and then making appropriate changes to the "Best Funds", and, correspondingly to clients’ portfolios;
  • Applying "Fine Tuning" Strategies (small to moderate changes in basic asset allocations) to take advantage of, or, protect against, current Cyclical Markets (Bull, Bear, or Blah markets for shorter periods of three months to three years).  "Fine Tuning" strategies are usually more aggressive during Cyclical Bull markets that are part of Secular Bear or Blah Markets, and less aggressive in Cyclical Bear markets that are part of Secular Bull Markets;
  • Rebalancing Asset Allocations (usually annually) by selling (high) where current allocations exceed targeted allocations and buying (low) where they are below targeted allocations;
  • Tax Efficient Management relative to Monitoring, "Fine Tuning", and Reblalancing, to minimize tax consequences in taxable accounts, including "harvesting losses" to apply against gains, and postponing some changes until short term capital gains can mature into long term capital gains.
 (elements of Modern Portfolio Theory) – R.O.I. looks back over Secular Markets (long periods of 10-20 years) to see what Asset Allocations have generated the target return while controlling volatility.  Asset Allocation decisions are then made based upon the current Secular Market we are in (Secular Bull, Bear, or Blah Market);
  • Filling Asset Allocation Decisions With The "Best Funds" – The Asset Allocation Decisions are filled by choosing mutual funds (with the exception of occassional Early Redemption Fees (ERFs), always no-load and no-transaction fee funds) from R.O.I.’s "Best Funds" list for each Asset Class (the top 25% in each Asset Class), thus employing on clients’ behalf some of the very best mutual fund managers in the world. Because R.O.I. believes it is using some of the very best mutual fund managers in the world in each Asset Class, R.O.I. doesn’t assume it can do a better job picking individual stocks and bonds, in the long run, than its mutual fund managers;
  • Diversifying Management Styles to avoid too many mutual fund managers walking in "lock step" by using similar styles, e.g., Growth vs. Value style;
  • Controlling Sector (i.e., Industry) Concentration to avoid too much allocation to any one industry;
  • Monitoring "Best Funds" with regular reviews of a wide variety of criteria to see that each fund is performing within expectations, and then making appropriate changes to the "Best Funds", and, correspondingly to clients’ portfolios;
  • Applying "Fine Tuning" Strategies (small to moderate changes in basic asset allocations) to take advantage of, or, protect against, current Cyclical Markets (Bull, Bear, or Blah markets for shorter periods of three months to three years).  "Fine Tuning" strategies are usually more aggressive during Cyclical Bull markets that are part of Secular Bear or Blah Markets, and less aggressive in Cyclical Bear markets that are part of Secular Bull Markets;
  • Rebalancing Asset Allocations (usually annually) by selling (high) where current allocations exceed targeted allocations and buying (low) where they are below targeted allocations;
  • Tax Efficient Management relative to Monitoring, "Fine Tuning", and Reblalancing, to minimize tax consequences in taxable accounts, including "harvesting losses" to apply against gains, and postponing some changes until short term capital gains can mature into long term capital gains.


    • 351 East 140 North , Lindon, UT 84042-2004
    Phone: 801.785.3254 Fax: 801.785.3244 Email:     ronolson@itsnet.com