Tower Ridge Investment Management LLC

The firm provides fee-only, discretionary investment management to individuals, high-net-worth individuals, and families, focusing exclusively on ongoing portfolio management rather than comprehensive financial planning, tax, or estate services. As a newly formed, single-principal advisory firm it currently reports no regulatory assets under management and has no active client accounts.

Investment decisions are implemented through a model-based strategic asset allocation framework using low-cost, diversified ETFs across Conservative, Moderate, and Aggressive models, with periodic rebalancing and account-level customization. For Moderate and Aggressive profiles the firm may allocate a 5–15% opportunistic sleeve to sector- or theme-driven ideas (examples cited include AI, nuclear energy, and data infrastructure) and may employ inverse or leveraged ETPs and short/long trading within that sleeve; taxable accounts can be constructed using tax-efficient municipal variations.

Noteworthy operational choices include operating without a public website or formal advertising—relying on word-of-mouth and professional networks for client acquisition—and electing not to participate in wrap fee programs or to accept soft-dollar benefits. The firm maintains a formal code of ethics, exercises full discretionary authority under client agreements, monitors accounts at least monthly, and does not vote client proxies.