The goal of River Capital Advisors, L.C. is to make a positive difference in the financial lives of our clients! We are fee-only advisors and as a financial fiduciary have the legal and morale responsibility to out your best interests ahead of our own. We will not impair our independence by accepting any other form of compensation such as commissions, soft dollar deals, etc. We will strive to be the highest quality "Chief Financial Officer" for you. We will strive to help design and update as necessary a personalized asset allocation plan to meet your established goals that will become a part of your Investment Policy based on a thorough understanding of your: Goals & Objectives Time Horizons Income Needs Risk Tolerance Total Net Worth We will select investment managers who have demonstrated superior risk adjusted returns compared to style peers and have traits and characteristics that we believe are important to compound capital over a long period of time. In addition, we will monitor these managers to ascertain whether they continue to be worthy of our confidence. We will invest substantial amounts of our capital in the same investments as we invest yours and treat your investment as if it were our own. We will diversify your portfolio by style and manager, but not over-diversify. We will constantly monitor managers for changes in investment style, performance relative to peers, cost, etc. We will avoid managers who charge loads (commissions), exit fees or 12b-1 charges. Leveraging our firm size and relationships, we will negotiate fees with managers to make sure your are receiving the best fee arrangement available. We will do our best to communicate and provide education on the benefits of asset allocation and modern portfolio theory to produce superior risk adjusted returns as well as the benefits of sticking with an investment plan. Also, we will attempt to add additional value to our relationship by functioning as their personal CFO. We will provide accurate performance reporting quarterly that will be comprehensive and benchmark against criteria established in your written Investment Policy. We will choose individual stock investments based on their discount from our appraisal of intrinsic value, their competitive position and management, and our assessment of their free cash flow potential. We will buy individual bonds using a ladder approach as to maturities and duration, considering the your goals, objectives and asset allocation plan as well as risk and reward of yields and credit of issuer. We will be flexible and commit ourselves to superior service to you!
Copyright © 2006 River Capital Advisors, L.C.
River Capital Advisors, L.C. 1514 Nira Street Jacksonville, FL 32207 904.398.2075 Phone 904.399.8985 Fax rcawealth@sdnllp.com