Ruth Investment Advisers LLC is a digital-first registered investment advisor that provides a single investment strategy focused on the SPDR S&P 500 exchange-traded fund. Clients manage their accounts through an online platform and mobile application, executing their own trades while holding accounts at a third-party custodian, Alpaca Securities LLC. Ruth Investment Advisers LLC operates on a non-discretionary basis, meaning clients make their own investment decisions. Eligible clients may choose to use optional nonrecourse margin loans provided by an affiliate company, Ruth Lendco LLC, to increase their exposure to the exchange-traded fund. The firm does not provide comprehensive financial planning, tax advice, or estate planning services.
Fee Structure
Ruth Investment Advisers LLC charges a flat monthly advisory fee of $2.00 per account, billed in advance. This fee covers the investment advisory services but does not include:
- Interest expenses on optional nonrecourse leverage (charged at a fixed annual rate of 6% by an affiliated lender)
- Underlying fund expenses charged by the exchange-traded fund
- Brokerage, custodial, or trading fees charged by the custodian, Alpaca Securities LLC