Portfolio Management

Professional portfolio management is an optional extension of your ROI Financial Plan. When clients choose to have us manage their assets, we can put plans into action swiftly and keep everything on track over time. We’ll construct your portfolio according to your plan–and keep it aligned as your dreams evolve, markets fluctuate and opportunities arise.

Your investment portfolio is built around your dreams and values, risk tolerance, and timeline. Our job is to keep a careful eye on your portfolio’s performance, meeting with you regularly, and making strategic adjustments as needed. With ROI Financial Advisors, you’re always in charge but you’re never alone.

8.5%

amount self-managed portfolios underperformed the S&P 500 Index in 2024

27%

amount managed portfolios outperform target-date and asset-allocation funds

1.5%

amount individual investors lose annually by trying to time the market

Sources: Investopedia, Empower, Morningstar *Provided for educational and general purposes only*

Why a managed portfolio can be better

See the bigger picture of your finances

Portfolio management works best when it’s integrated with the rest of your financial life. We connect your investments to your tax strategy, retirement plan, and overall financial goals—so every decision supports your long-term success.

Save time and reduce stress

Managing a portfolio requires time, knowledge, and constant attention. It’s your money, so we’ll communicate regularly, offering tailored-to-you recommendations. With your approval, we’ll handle all the details, from monitoring and rebalancing to risk management.

Stay on track through market ups and downs

A managed portfolio can help you avoid costly mistakes such overreacting to market fluctuations, and buying high or selling low. We’ll keep you moving toward your dreams with a disciplined approach.

Access ROI+ integrated services

For even greater convenience and coordinated strategies, connect your financial plan and portfolio management to additional services such as tax preparation, bookkeeping, and more.

True stories. Real results.

"You sleep better at night knowing that everything is taken care of."

"We don't have an interest in stocks or managing wealth, but we want someone who's really good at it to do it right, and what I appreciate about ROI is they care about us as people and our goals and our family."

How portfolio management works

When you choose ROI to manage your portfolio, you gain a partner who actively manages your investments on your behalf. For most clients, we provide discretionary management, which means you allow us to make day-to-day investment decisions, including purchases and sales, based on your plan. A small number of clients prefer non-discretionary management, where you retain final approval but still benefit from our professional advice.

We continually monitor your investments and make adjustments no less than quarterly, keeping your strategy aligned with your goals.

All portfolio assets remain in your name or in the name of your trust. Our role is to direct investments under the authority you grant us through a management agreement—always in service of your best interests.

What sets ROI Financial's portfolio management apart

ROI Financial Advisors, LLC is an independent Registered Investment Advisor (RIA). As a fiduciary, we are legally and ethically bound to act in your best interest only. Unlike large financial firms that may be influenced by shareholder interests or proprietary products, ROI is free to select the investments that best meet your needs.

We also believe in transparency. Our fee is based on a percentage of assets under management. That means when your money grows, so does ours. We don’t charge transaction fees; we do focus on keeping your investment costs low while positioning your portfolio for growth.

Everyone at ROI Financial Advisors works for you. We all care deeply about your success, now and into the future—even across multiple generations. We’re dedicated to helping you build wealth and make your dreams come true.

For a complete discussion of our fees and services request a copy of our ADV Part One: hello@roi-fa.com

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Frequently asked questions about portfolio management

Is there a minimum investment required?

No. We don’t have a minimum account size for portfolio management. Whether you’re just getting started or already building significant assets, we’ll create a strategy tailored to you.

Why not just invest on my own with apps or online brokers?

While it’s possible to manage your own investments, many people underestimate the complexity and stress of doing so. Our role is to help you avoid costly mistakes, keep your plan on track, and make disciplined adjustments over time—so your portfolio supports your long-term goals, not short-term reactions.

Can I choose only socially responsible investments?

Yes. You can place reasonable restrictions on your portfolio, including socially responsible, ESG, or faith-based strategies. We’ll help you align your investments with your values while still working toward your financial objectives.

Do I get a say in how my money is invested?

Absolutely. You set the goals, priorities, and risk tolerance. We handle the day-to-day management and make recommendations, but your input guides the strategy. Think of it as a partnership: you define the destination, and we help navigate the path.

What kinds of investments do you use?

Depending on your needs and goals, your portfolio may include stocks, bonds, ETFs, mutual funds, options, or commodities. Every choice is made with your objectives in mind—balancing growth opportunities with stability and risk management.