Qualified Individuals
	RCM, Inc. provides a wide array of wealth management services for the qualified individual investor.  We’ve made available to the individual investor true institutional investment strategies and advice in a low cost, fee only arrangement.  To qualify, Rogers Capital Management, Inc. requires a minimum initial investment of  $1.000,000.00.  However, there are circumstances that initially may allow accounts to be opened with less capital, which are evaluated on a case-by-case basis.
	Tax Deferred Accounts RCM has the capability to effectively manage and enhance every kind of tax deferred account for an individual investor.  Individual Retirement Accounts (IRAs) such as Rollover IRAs, Traditional IRAs, Roth IRAs, Coverdell Education IRAs, and SEP IRAs, and 403(b)s are among those types of accounts that enjoy these tax benefits.  For all tax deferred accounts which require Minimum Required Distributions (MRDs), RCM will automatically calculate Minimum Required Distributions (MRDs) and encompass those as part of the investment strategy for those accounts subject to them.  With the tax benefits of Individual Retirement Accounts, it is extremely important that a qualified individual investor maximize the potential growth of these accounts.  RCM’s investment strategy is conducive to that goal, insofar as it reduces risk while maximizing returns.   For each Individual Retirement Account or tax deferred account, RCM will design and implement an academically defined, analytically constructed portfolio for a custom fit. RCM will carefully evaluate each client’s time horizon, risk tolerance, goal, liquidity needs, and cash flow when developing each custom portfolio. RCM will develop an Investment Policy Statement as an integral part of the investment process. In addition, RCM will provide detailed and informative quarterly reports as well as encourage quarterly client/advisor meetings.  During these meetings, investment results and strategies will be reviewed to ensure both client and advisors are focused on the same risk/return goals for each portfolio.
	Taxable Accounts RCM’s after tax investment strategy is most effective for individuals or joint account holders desiring investment asset growth coupled with the minimum tax burden.  RCM utilizes true institutional asset class tax managed funds for these portfolios.  The goal of these investments is to avoid short term capital gains, and harvest capital losses where applicable, thus limiting the pass through tax burden on the investor, while also delivering the returns of the respective asset classes.  Also, the buy and hold strategy coupled with extremely low turnover of passive asset class/index funds is also extremely effective in limiting the tax burden to the individual.  In addition to the tax-managed investments, RCM utilizes effective management techniques to limit taxes to the investor.   For each account, RCM will design and implement an academically defined, analytically constructed portfolio custom fit for each client. RCM will carefully evaluate each client’s time horizon, risk tolerance, goal, liquidity needs, and cash flow when developing each custom portfolio. RCM will develop an Investment Policy Statement as an integral part of the investment process. In addition, RCM will provide detailed and informative quarterly reports and encourage quarterly client/advisor meetings.  During these meetings, investment results and strategies will be reviewed to ensure both client and advisors are focused on the same risk/return goals for each portfolio.