Ross Financial Group
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$14,900,000
Clients
80
0% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
80
HighAverage account size
$186,250
About
Ross Financial Group is a small, solo-registered investment adviser that provides tailored portfolio management and ongoing consultation to a mix of individual and institutional clients, including foundations, trusts, estates, charities and corporations. The firm documents client objectives and creates customized investment policy statements, and it offers a proprietary option called the "Tides Portfolio" alongside discretionary account management.
The firm's investment approach for the Tides Portfolio is concentrated and ETF-focused, typically holding fewer than five positions and favoring mid-cap exposures via low-cost index ETFs with relatively low turnover tied to bull and bear market cycles. The brochure states a specific performance objective for that strategy — to outperform the Dow Industrial Average over time by at least the firm’s annual management fee — and notes that formal tax-minimization is not built into the strategy.
A few operational and business features in the brochure are less common among similar supported firms: the firm discloses an explicit performance objective and discusses performance communications, and it notes that some members may act as licensed insurance agents and receive commissions, creating potential conflicts of interest. The firm also describes procedures that distinguish certain client arrangements — for example, custodial fee deductions calculated daily and the advisor covering brokerage costs for accounts invested in the Tides Portfolio — items called out in the disclosure materials.
Client services
Portfolio management
Expertise
Passive / index investing
Fee options
$0 - $1,000,000: 1.25% $1,000,000+: 0.5%
Account minimum: $3,000 Minimum fee: Advisory fees waived when the total value of an account falls below $3,000 Fee-only: Annual management fee based on tiered percentage of assets under management
Most active in
Ross Financial Group has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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