Rood Financial, LLC

Rood Financial serves individual and high-net-worth clients, families, business owners, charitable organizations and employer retirement plans, offering comprehensive portfolio management, retirement plan consulting, and financial planning. The firm typically implements portfolios using mutual funds and ETFs from providers such as DFA, Vanguard and Avantis, and also works with independent money managers to deliver fee-only asset management and implement fixed income sub-advisory mandates.

The firm’s investment approach is long-term and grounded in Modern Portfolio Theory, favoring diversified, asset-class exposures, low-turnover funds and a buy-and-hold orientation; financial planning inputs and Monte Carlo analysis are used to set target asset allocations and rebalancing is performed periodically. Notably, Rood Financial manages the majority of its assets on a non-discretionary basis and relies on independent money managers (and a third‑party custodian arrangement) to execute trades and deduct fees, so client permission is obtained before advisor-directed transactions.

Compared with peers, Rood Financial is a small advisory team with roughly $61.4 million in regulatory AUM across about 34 clients, reflecting relatively large account sizes and a concentrated clientele. The firm’s regular use of independent money managers and a formal fixed‑income sub‑advisory structure, together with participation in a partner service program through its third‑party manager, are distinguishing operational features for a firm of this scale.