River Raisin Investment Partners

An Independent Registered Investment Adviser (RIA) is a professional firm that provides personalized financial advice, often to clients with complex needs. Key distinctions include:

• Independence: We are not tied to any specific investment products or funds, ensuring unbiased advice.
• Fiduciary Duty: We are legally registered with the SEC or state regulators and held to a fiduciary standard, requiring us to act in your best interests at all times.

Being a fiduciary is our highest obligation. It means we are ethically and legally required to:

• Put your interests ahead of our own at all times.
• Disclose any conflicts of interest.
• Fully explain how we are compensated.
• Manage your assets with prudence and transparency.

A fee-based model means our compensation comes directly from fees for our advice and services, not from commissions on product sales. This structure is designed to:

• Minimize conflicts of interest.
• Align our success with your financial success.
• Ensure our advice is driven by your needs, not sales targets. (Note: Consider clarifying if you are “fee-only” (no commissions) or “fee-based” (fees + some commissions), as these are distinct terms important to prospects.)

Our differentiation is built on three pillars:

1. True Independence: As an independent RIA, our advice is solely focused on what’s best for you, free from corporate quotas or product mandates.
2. Comprehensive Service: We provide integrated wealth management—from investment management and financial planning to estate planning—all under one roof.
3. Client-First Focus: We offer the high-touch, personalized attention you deserve. You are an individual to us, not an account number.

Security and separation are critical. We never physically hold your assets.

• Third-Party Custodian: We use Charles Schwab, a leading national custodian, to hold all client accounts.
• Arm’s-Length Relationship: We have no special financial arrangements with Schwab. This separation ensures an added layer of safety and objectivity.
• Limited Authority: With your signed authorization, we can manage and trade within your Schwab account, but you retain full ownership and control.

Getting started is straightforward. Typically, we need:

1. A copy of your most recent investment account statement.
2. Your signatures on a few forms (we provide clear instructions).
   We then handle the entire process of setting up your new account and transferring your assets seamlessly.