Desert Rose Capital Management, Inc.

Desert Rose Capital Management provides investment advice and portfolio management to a mix of individual clients (including high‑net‑worth individuals), retirement plans, trusts, estates, and corporations, and also serves as a sub‑advisor to other registered investment advisers. The firm offers discretionary and non‑discretionary separately managed accounts and provides ancillary financial advice on topics such as insurance, mortgages, tax planning coordination, and estate and retirement planning.

The firm’s core investment approach emphasizes the use of exchange‑traded options in combination with conservative income‑producing assets to seek lower overall portfolio risk while participating in potential market appreciation; its process typically pairs long‑term call exposures with more conservative holdings and uses proprietary algorithms and software to select and adjust option positions. When appropriate for accredited or otherwise qualified investors, the firm evaluates and implements private investment opportunities and performs ongoing due diligence, tax coordination, and cash‑flow management to integrate private exposures into clients’ consolidated reporting.

What is distinctive about the firm is that it acts as the investment manager to a pooled investment vehicle that primarily purchases permanent life insurance policies and issues loans collateralized by policy cash values—an uncommon strategy and organizational role among multi‑team firms—and it discloses affiliated lending and insurance businesses that can create conflicts of interest. The firm’s routine role as a sub‑advisor to other advisers and its integration of private fund commitments and monthly/audited reporting into client reporting are also less common characteristics relative to peers.