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Rosetta Financial was founded on the principles of superior planning, simplicity and first class service. From our investment philosophy to our frequent interaction with clients, we strive to provide outstanding financial plan management based on simple fundamentals and delivered with high-touch personal service.
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We have adopted and strictly adhere to the Certified Financial Planner™ Board of Standard’s code of ethics. We appreciate the responsibilities that we have been given by our clients and we feel we owe them, our profession and ourselves the highest ethical standards. The Code of Ethics is as follows:
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The relationships we have with our clients are based on a common goal: achieving and maintaining financial security and peace of mind for our clients. We spend our time on the plan strategy and implementation so our clients can spend their time on family, friends, career, helping others and generally enjoying life.
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While we have strategic partnerships with some of the largest financial institutions in the world, we are an independent, boutique wealth management firm. We are, by choice, a small company. Our advisors seek to have a more positive, long-lasting impact and relationship with fewer clients and Rosetta Financial is structured to facilitate those few but important relationships. Because we are a small firm, we only begin working with a limited number of new clients each year. In selecting new clients, we look for individuals that appreciate the need for a professional financial advisor and are interested in achieving and maintaining significant wealth in order to make the world a better place. Lastly and most importantly we seek out individuals that share our enthusiasm and appreciation for what life has to offer. |
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We believe successful wealth management is the marriage of personalized investment advice and strategic financial planning. We do not separate the two because the right investment decisions can only be made in the context of your overall financial plan. Articulating your goals is just the beginning. After conducting a thorough analysis of your current financial situation, we create a detailed plan designed to help you achieve your goals in the most efficient and effective manner possible. The resulting plan is completely objective and customized because the planning process is driven by your individual financial goals and objectives. We monitor and Smart planning solutions are found by utilizing the work and research of experts. Our advisors are proficient in the theories of portfolio management that guide the investment of trillions of dollars of institutional money around the globe. We use this knowledge for the benefit of our clients by combining state-of-the-art investment theory and practice with many years of experience in counseling individuals on wealth management. If you would like a more detailed, step-by-step explanation of our financial planning process, please click here.
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Much of what is discussed in the financial world is confusing; riddled with industry jargon and conflicting opinions on every subject imaginable. Our advisors serve as a filter for the unimportant and irrelevant data that makes understanding many investment programs a near impossibility. Our investment strategies are built on simple principles that are supported by unbiased research, not Wall Street’s hyperventilated and breathless opinions of the moment. Simplicity is one of our guiding principles because we believe if we keep things simple – for us and for you – we are all more likely to be successful in achieving our collective goals. A financial plan can be sophisticated, comprehensive and effective without being complicated. |
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The concept of asset allocation is at the forefront of our investment philosophy and our asset management strategy. Asset allocation simply means that investment money is spread among a number of distinct asset classes such as cash, bonds and stocks. Proper asset allocation also requires that attention be paid to asset sub-classes such as municipal bonds and inflation protected bonds, foreign stocks and mid and small-cap stocks among others. The goal of asset allocation is to achieve the most efficient diversification of assets; to lessen risk without sacrificing the ability of the portfolio to meet a particular investment objective. This is why we allocate client assets by market capitalization (large and small), investment style (growth and value), market maturity (established and emerging), and geography (domestic and international).
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The primary investment vehicles we use to meet our clients’ investment objectives are mutual funds managed by some of the best money managers in the world. The four primary advantages that mutual funds provide:
Our management philosophy demands that our clients be properly compensated for the risk they take. We strongly believe (and both academic and empirical research strongly suggests) that the average individual investor is not compensated for the additional risks of owning individual stocks. Because of this poor risk and return profile, we do not utilize individual stocks in the management of our clients’ assets.
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The time horizon of our clients’ specific investment goals is a critical variable in determining which investments our advisors recommend for achieving those goals. Investing for long-term goals may permit a client to assume higher short-term volatility in pursuit of higher long-term returns. This can expand the number of asset classes that may be suitable for investment. The opposite is generally true of investing for shorter-term goals.
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We believe that attempts to "time the market" by moving into and out of particular investments in an effort to avoid periods of negative performance are nearly always futile and counterproductive. The overwhelming body of evidence indicates that consistently making accurate near-term forecasts of a market or an investment's direction is impossible. And the attempt can also be costly and very inefficient on an after-tax return basis. The tendency of positive stock market performance to occur in brief spurts highlights the risk of being out of the market at the wrong time. One or two incorrect or ill-timed decisions can more than undo all of the advantage of remaining committed to stock market investments over the long haul. As long-term strategic investors, we coach our clients to accept and tolerate sometimes painful short-term volatility in an effort to reap the positive performance advantages that accrue over the long-term.
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We pay strict attention to the costs our clients incur by the investments we recommend. Because of our relationship with Charles Schwab Institutional, our clients have access to discounted institutional no-load mutual funds. The lower cost of these mutual funds (compared to their retail counterparts) contributes an additional 0.25% to 0.50% of growth per year to our clients’ portfolios.
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In our investment management process we place an emphasis on maximizing after-tax returns for our clients. This is done primarily by employing the buy-and-hold approach rather than the active trading and high turnover approach of many stock brokerage firms. In addition, for taxable accounts we recommend only those investment managers that have demonstrated tax-efficient management of their funds. Although this does not eliminate the taxable distributions inherent in the management of mutual funds, it does limit them. Lastly we look for managers that keep their turnover low as they manage the mutual funds that we recommend. By using funds with lower turnover, not only are internal brokerage expenses reduced, so are the taxable distributions. |
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Our Code of Ethics 
update your plan as needed so that you are always current with the changing markets and always utilizing the best products available.
