RJB Investment Advisory Services, LLC

RJB Investment Advisory Services, LLC provides discretionary portfolio management primarily to individuals and high-net-worth individuals, developing an Investment Policy Statement for each client that documents goals, time horizon, tax considerations, and risk tolerance. The firm’s ongoing services include asset allocation, asset selection, and regular portfolio monitoring with fees billed in arrears on a quarterly basis.

The firm’s investment approach emphasizes long-term investing using exchange-traded funds and low-cost mutual funds, supplemented by limited fundamental analysis and periodic adjustments for political or regulatory developments. Asset allocation is central to portfolio construction, and the brochure specifically notes use of ETFs — including those in the gold and precious metal sectors — to achieve diversification without concentrating in individual stocks or bonds.

Noteworthy operational details in the brochure include an explicit restriction to mutual funds and ETFs (with precious-metal ETFs called out), a stated policy not to participate in wrap fee programs or to select third-party advisers, and a practice of not aggregating (block) trades for multiple client accounts, which the firm notes can affect execution quality. RJB operates as a solo advisor managing roughly $4.55 million in discretionary assets, uses Schwab Institutional custody and discloses potential receipt of soft-dollar research and institutional services alongside a written Code of Ethics and formal allocation policies.