Robinswood Financial LLC is a registered investment advisor (RIA) firm based in Kirkland, Washington
and has been in business since February 2007. Edward L. Ward is the principal owner.
Investment Advisory Services:
Robinswood Financial provides investment management services on a fee only basis. Robinswood’s
investment advisory services encompass a wide range of investment objectives, from conservative to
aggressive, which gives the client and the advisor the flexibility to design a custom program and asset
allocation that meets the client's specific needs. Each investment program is continuously managed based
on the program's strategy. However, clients have the opportunity to place reasonable restrictions on the
types of investments to be held in their accounts.
We begin by gathering information from you to clearly define your individual financial objectives and
your tolerance to risk. From this information our financial advisors carefully select investments to
provide individually managed portfolios tailored to meet each client’s unique needs. Our objective is to
deliver higher returns for our clients while providing maximum risk protection.
When you open your new Schwab account to be managed by Robinswood Financial or name us as the
advisor on a current Schwab account, we consult with you before making any initial investments. As part
of ongoing monitoring, however, we will ask for limited trading authorization so we do not need to call
you each time we need to make a trade, as long as the actions adhere to the investment plan we have
developed with you.
Robinswood’s investment programs comply with the following requirements:
1. Initial Interview - at the opening of the account, Robinswood, through its designated representatives,
shall obtain from the client information sufficient to determine the client's financial situation and
investment objectives;
2. Individual Treatment - the client's account is managed on the basis of the client's financial situation
and investment objectives;
3. Quarterly Notice - at least quarterly, Robinswood notifies clients that they need to notify Robinswood
if their financial situation or investment objectives have changed, or if they want to impose and/or modify
any reasonable restrictions on the management of their accounts;
4. Annual Contact - at least annually, Robinswood contacts clients to determine whether their financial
situation or investment objectives have changed, or if they want to impose and/or modify any reasonable
restrictions on the management of their accounts;
5. Consultation Available - Robinswood is reasonably available to consult with clients regarding the
status of their accounts.
Types of Investments:
At the core of our investment strategy, Robinswood
primarily uses institutional index and asset-class
mutual funds for their superior historic long-term performance as compared to actively managed funds.
These include U.S. and international equity (stock) funds that include different combinations of the major
asset classes designed to limit your risk exposure through proper diversification.
An asset class is a group of securities that have similar characteristics, have behaved similarly under
certain market conditions, are bound by the same laws and regulations, and reflect different risks and
returns. The three main asset classes used by Robinswood Financial are domestic equities (stocks),
international equities (stocks), and fixed-income (bonds).
Mutual funds within an asset class can be further subdivided into fund categories. Fund categories
provide a way of differentiating mutual funds by their features, content, and objectives, as well as their
characteristics for risk and return. Having representation from different fund categories allows for further
diversification.
Depending on your risk tolerance, financial goals, and time horizon, your Robinswood Financial advisor
shapes your portfolio to consist of a mix of securities from the following categories:
U.S. Funds
U.S. large-cap growth
U.S. large-cap value
U.S. mid-cap growth
U.S. mid-cap value
U.S. small-cap growth
U.S. small-cap value
U.S. real estate
International Funds
International large-cap growth
International large-cap value
International mid-cap growth
International mid-cap value
International small-cap growth
International small-cap value
Emerging markets
Bond Funds
Global high-grade bond funds
Global high-yield bond funds
Global short-term bond funds
Global intermediate-term bond funds
Government National Mortgage Association (GNMA, or "Ginnie Mae") funds
Emerging market debt
Robinswood Financial is one of a select group of advisors approved to provide access to Dimensional
funds (DFA). Robinswood also makes use of Vanguard funds and selected Exchange Traded Funds
(ETF's).
A typical portfolio will have 10-16 carefully selected investments. The goals of our investment strategy
are superior portfolio construction, diversification, low costs, disciplined rebalancing, competitive
returns, and protection of principal. The portfolios are managed to adapt to changing economic
conditions, tax considerations, cash-flow needs, and personal situations. Clie nts wishing to impose
restrictions upon their portfolios and its holdings must do so in writing to Robinswood Financial.
Assets Under Management:
As of March 30,2024 Robinswood manages approximately $321,000,000 in client assets,
all on a discretionary basis.
Fees and CompensationItem 5