Robert J Young

The firm provides ongoing asset management, financial consulting and planning to individual clients and families, managing portfolios on a discretionary basis and delivering quarterly custodial statements. As a solo Registered Investment Adviser, it oversees a small client base and modest regulatory assets under management, and it reports no stated account minimum.

Investment implementation is driven by a set of model asset-allocation strategies across the risk/return spectrum, with holdings drawn from no-load mutual funds, ETFs and individual equities chosen for risk-adjusted performance, volatility and manager tenure. Clients are matched to models through an initial assessment of objectives, resources, time horizon and risk tolerance, and accounts are reviewed at least annually or when client circumstances change.

Notable operational features include a single principal who also serves in operations, compliance and continuity roles, use of two custodial platforms including a self-clearing broker-dealer relationship that provides certain operational services, and an explicit policy against soft-dollar arrangements and third‑party compensation. The firm also maintains a Code of Ethics with personal-trading restrictions, does not aggregate client trades, and does not accept proxy-voting authority (clients receive solicitations directly).