Registration Status – Registered with the SEC sinc
e 19831
Principal Owners – Phyllis R. Sutton
Philip Huff
Holger Berndt
Joel Stilwell
Assets Under Management Discretionary Assets – $381,995,331
(As of December 31, 2023) Non-discretionary Assets – $0
ADVISORY SERVICES
INVESTMENT MANAGEMENT SERVICES
Rosenblum-Silverman-Sutton, S.F. Inc. (“RSS” or sometimes the “Firm” or “Advisor”) is an independent
investment advisor providing customized investment management services to individuals, families,
high net-worth clients, retirement accounts, trusts, estates, charitable organizations, corporations and
other types of business entities. Our investment management services include, among others,
financial goal setting, risk assessment, strategic asset allocation and the selection and management
of securities and investments. We offer our services on both a discretionary basis or, when requested
by the client, on a non-discretionary basis.
Our investment solutions are tailored to each client’s specific risk tolerance, time horizon, liquidity
requirements, and resilience to market volatility. While we strive to create sustainable long term
investment strategies, we review and adjust asset allocations and risk exposure as required by
changes in market and client circumstances. The Firm’s portfolio managers gather information about
each client’s individual financial condition and investment goals through personal consultations,
questionnaires, and document review. On the basis of this information, the Firm designs an
individualized investment plan based on a client’s earning capacity, savings, investment history, tax
issues, retirement horizon, education and legacy planning, and any other matters that a client deems
important.
Depending upon the client’s customized investment plan and personal preferences, we offer the
following investment management services:
• Creation of an asset allocation strategy;
• Recommendation of specific securities for investment;
• Execution of securities transactions on behalf of clients through designated custodians and
executing broker-dealers;
• Monitoring and rebalancing client account holdings;
• Quarterly performance reporting;
Our portfolio managers help each of the Firm’s clients identify a strategic asset allocation that is
consistent with the client’s investment objectives and other criteria.
RSS has established a minimum account size requirement of $500,000. Multiple accounts for the same
client may be aggregated to reach this threshold. At the Firm’s sole discretion, it may accept clients
with smaller portfolios where it determines that the smaller portfolio size will not cause a substantial
increase of investment risk beyond the client’s identified risk tolerance. Other factors considered in
a decision to waive the minimum account size are the anticipated future earning capacity,
anticipated future additional assets, dollar amount of assets to be managed, related accounts,
account composition, pre-existing client, account retention,
pro bono activities, etc. of the account.
1“Registration” means only that the Firm meets the minimum requirements for registration as an investment
advisor and does not imply a certain level of skill or training or that the SEC or other regulator guarantees the
quality of our services or recommends them.
A client may make additions to and withdrawals from the client’s custodial account at any time,
subject to the Firm’s right to terminate an account if the amount of assets drops below our account
size minimum. Clients may withdraw account assets with notice to the Firm, subject to the usual and
customary securities settlement procedures. However, we design client portfolios as long-term
investments and caution our clients that asset withdrawals may impair the achievement of the
client’s investment objectives.
Additions to an account may be in cash or securities provided that our portfolio managers may
decline to accept particular securities into a client’s account or may recommend that the security
be liquidated if it is inconsistent with the Firm’s investment strategy or the client’s investment
objectives. Clients are advised that when transferred securities are liquidated, they may be subject
to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge)
and/or tax ramifications.
FINANCIAL PLANNING AND FINANCIAL CONSULTING SERVICES
RSS provides comprehensive financial planning services on either an hourly fee or fixed fee basis.
RSS’s financial planning services may include a financial review and analysis of some or all of the
following areas:
• Determining Financial Goals And Objectives
• Asset Allocation