River Rose Financial LLC is a registered investment advisor based in Snowmass Village, Colorado, serving high-net-worth individuals, families, and businesses. The firm focuses on rules-based, data-driven portfolio management, drawing on modern portfolio theory, macroeconomic analysis, and applied data science to build custom portfolios primarily using low-cost exchange-traded funds. River Rose Financial develops a written investment policy statement for every client to guide asset allocation and systematic rebalancing. In addition to core portfolio management, the firm offers standalone financial planning, project-based consulting, and individual equity research. Thomas C. MacPherson serves as the sole principal and chief compliance officer.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.25% |
| $1.0M - $2.5M | 1.00% |
| $2.5M - $5.0M | 0.75% |
| $5M+ | 0.50% |
Fees are generally negotiable based on relationship complexity, household assets, or portfolio characteristics.