who we Are
Ring Mountain Capital is a Registered Investment Advisor providing comprehensive investment management services.
Our mission is to provide professional, customized, research driven investment advice and exceptional customer service while helping clients achieve long-term financial goals.
Working Exclusively for You
We are an independent, fee-only financial advisory firm specializing in research driven portfolio management. With our fee-only approach we work exclusively for you. Our advice and customized investment recommendations, are individually tailored for each and every client. We do not accept commissions or any source of revenue from other third parties. Our priority is you.
We determine a suitable and appropriate asset allocation strategy by considering your investment time horizon, risk tolerance, key objectives and cash flow needs. Once a plan is put into place we actively manage each and every portfolio to optimize returns and minimize risks. Our client-focused philosophy and deep desire to achieve each client’s financial goals permeates everything we do at Ring Mountain Capital.
research driven model for the long term
Markets and specifically equities and bonds can sometimes perform erratically. We manage investment portfolios to take advantage of any market aberrations. Our asset allocation is primarily focused with the long term in mind, however, we are tactical and incorporate a pragmatic approach that allows for any market mispricings. We employ a research driven model. We constantly are researching and monitoring individual equities and bonds as well as mutual funds and the equities underlying these mutual funds.
One Size Never Fits All
Our customized and research driven approach to wealth management is built on personal relationships with our clients and shaped by a thorough understanding of each client's own specific risk/reward parameters and financial goals.
Maintain each client’s financial goals and objectives as the highest priority.
Tailor asset management strategies to fit your individual goals, objectives and risk tolerance.
Deliver exceptional client service that exceeds the highest of expectations.
Conduct business with superior standards of integrity, ethics, and expertise.
Employ a research driven model- continuously researching and monitoring individual equities and bonds as well as mutual funds.
Actively and tactically manage all client investment portfolios.
Constantly review current economic factors and conditions, changes in interest rates, inflation and specific fundamentals of portfolio equities and bonds and mutual funds.
Safekeeping of client assets is a top priority. We partner with Charles Schwab & Co., the largest institutional custodian in the U.S.
Scott Arwin, CFA
Founder, Chief investment Officer
Scott serves as the Founder and Chief Investment Officer of Ring Mountain Capital. He is responsible for advising clients, devising and implementing an investment plan and reviewing investments continually. Prior to founding Ring Mountain Capital, Scott was with UBS Financial Services for over 20 years providing advice to many hedge funds and asset managers as well as high net worth individuals. He regularly had meetings with C-Suite corporate executives (many CEO’s and CFO’s of Fortune 1000 companies) while researching and analyzing various stock ideas. Additionally, Scott was a party to hundreds of IPO (Initial Public Offering) roadshow meetings with CEO’s and CFO’s of companies just prior to going public with an IPO. Prior to that, Scott worked at the boutique Investment Bank, Robertson, Stephens & Company in San Francisco. Scott has over 27 years of experience in the industry. He graduated from the University of Florida with a B.S in Business Administration. Scott holds the (CFA ®) designation and is a member of the CFA Institute and the CFA Society of San Francisco.
INVESTMENT SERVICES
RING MOUNTAIN CAPITAL is a Tiburon, CA fee-only Registered Investment Advisor firm. Our investment management philosophy is driven by client investment objectives. Our investment principles are based on research driven analysis, strict discipline, diversification and after-tax performance. Through an initial client meeting and ongoing interaction with clients, Ring Mountain Capital creates and manages investments commensurate with each client’s risk/reward profile.
We realize that not all clients are similar and typically tend to fall into 3 different categories.
We will custom design and balance your portfolio to specifically address your specific financial phase of life:
Young, working, and accumulating wealth
Middle-aged and heading toward retirement
In retirement and in need of a systematic method of producing income
Clients focused on long-term growth of wealth
These clients are generally younger, working and have a time horizon of 40 or more years. We structure portfolios with this long time-horizon in mind with the ultimate goal of superior growth and maximizing returns while mitigating risk.
Clients that are middle-aged
These clients typically have 20 years or less to invest. Some clients in this category are nearing retirement while others are still building and growing wealth. We tailor portfolios for this subset with each client's very specific objectives in mind.
Clients with income needs
These clients are typically looking to protect capital while earning a sufficient monthly or quarterly income to satisfy their current income needs. We minimize the risk to principal by tilting the investment portfolio to fixed income which includes the following: government and investment grade corporate fixed-income securities (bonds), and preferred and dividend paying common stocks in addition to fixed income mutual funds.
Investments
At Ring Mountain Capital, we seek out the best possible investments for your specific goals. We utilize Mutual Funds, individual US and International Equities, Exchange Traded Funds (ETFs), Preferred Equities, Corporate Bonds, Municipal Bonds, US Treasury Bonds, and US Stock options. Diversification is always a top priority. We continuously monitor the performance of your investment portfolio and rebalance it as often as necessary to ensure that your investments continue to be aligned with your financial goals.
SPECIALTY AND EXPERTISE INVESTING IN SINGLE STOCKS
We have a very specific specialty and expertise investing in single stocks. For the appropriate high net worth client, we may have specific portfolios that invest 100% in equities (stocks). We may also implement (if appropriate) hedging strategies with equity options as well. We have an expertise investing in US equities as well as Asian and European equities. For over 20 years the Chief Investment Officer, Scott Arwin has invested in “single stocks” for clients. We have a keen understanding of what drives returns of equities. Scott also gave single stock investment advice for many years to some of the best performing Hedge fund and Mutual fund Portfolio Managers in San Francisco, Los Angeles, and Seattle.
Aside from continuous and ongoing review of your investments, we provide you with:
Quarterly Market Updates
Quarterly Performance Reports
Quarterly Account Holdings Reports
End of Year Tax Loss Harvesting
Account Rebalancing
Ongoing Account Reviews
Continuous Communication via in person meetings, phone calls and email.
RESEARCH
We do our own independent research. We believe that superior long-term risk adjusted portfolio performance is driven by a combination of asset allocation, proper mutual fund selection and a recognition of the underlying fundamentals of portfolio equities and bonds as well as the underlying fundamentals of equities and bonds within each mutual fund.
We cultivate information from a wide variety of sources which include: company visits with Senior management of portfolio companies, reviewing sell-side Wall Street research notes, attending conferences, and speaking with sell-side research analysts. For mutual fund analysis we study, examine and research mutual fund holdings, and analyze performance and embedded fees. We also monitor a variety of economic factors which include but are not limited to inflation rates, interest rates, FOMC comments and direction, yield curve outlooks, Consumer spending, GDP, and employment and payroll numbers.
Fiduciary Standard
We, as your investment advisor are held to the highest standard in the position of a fiduciary relationship. We align our advice with your specific investment goals. We implement a plan with your tolerance and capacity for risk as well as your financial goals as top priorities. We analyze your current investment accounts or portfolios and provide you with advice on potentially better asset allocation optimization. We provide advice and portfolio management without commissions. We are a fee only advisor. As our client you pay an annual fee billed quarterly based on the assets in your accounts that we manage for you. We keep clients informed with ongoing phone-call and email communication, monthly custodian statements, performance statements and with telephone and in-person reviews.
Charles Schwab & CO.
We custodian all client assets in accounts held at Charles Schwab & Co. We partner with Schwab to access their institutional trading and custody services. We have access to a wide range of products and support to help investors achieve their financial goals, including:
Full range of investment strategies and trading services
Research on equities, bonds ,mutual funds, ETF's and other investments
Technology and back-office service support
FAQ
1. Does Ring Mountain Capital receive any commission or other compensation on recommended products and services?
No. The revenue earned is generated 100% from account management fees received from our clients.
2. How do you determine where my investments will be held?
We maintain clearing, settlement and custody arrangements with Charles, Schwab & Co. In addition to performance reports from Ring Mountain Capital you will receive monthly custodial statements directly from Charles, Schwab & Co.
3. What is the minimum investment amount?
We currently do not require a minimum investment.
4. How much do your services cost?
Management fees are assessed quarterly based upon the value of assets under management. Annual advisory fees are typically 1% of the assets under management billed in advance and prorated at the beginning of each quarter. For clients or households with greater than $5M under our management the annual fee may be less than 1%.
5. Why should I use a fee-only investment advisor instead of a brokerage firm?
We are held to the highest level of the fiduciary standard, always putting clients first. We earn no commissions or incentives from anyone, including third-party vendors. Our advice and investment recommendations are aligned with your best interests as our priority. All of our revenue comes from account management fees.
6. Do you provide any other services?
Yes. We have a very specific specialty and expertise investing in single stocks. For the appropriate client, we may have specific portfolios that invest 100% in equities (stocks). We have an expertise investing in US equities as well as Asian and European equities. For over 20 years the Chief Investment Officer, Scott Arwin has invested in “single stocks” for clients. Scott also gave investment advice for many years to some of the best performing Hedge fund and Mutual fund Portfolio Managers in San Francisco, Los Angeles, and Seattle.
7. FIDUCIARY
We are a fiduciary, legally bound to put client needs and interests first. In our first meeting we provide full disclosure of all information related to Ring Mountain Capital with our financial brochure. We’ll maintain continuous and clear communication, and promptly address any concerns or questions. Ring Mountain Capital is a Registered Investment Advisor in the state of California.
8. Why do I need a financial advisor?
Most investors do not have the proficiency, experience, time and access to key information needed to successfully manage their investment assets. Scott Arwin, the Chief Investment Officer has been advising clients for over 27 years.
9. Who are your clients?
We manage money for a diverse group of clients, including individuals, families, business owners, women in transition, trusts, and estates.
10. What type of investments do you use?
We primarily use equities (US and international), ETF's, bonds (corporate, municipal, government), preferred equity, mutual funds and stock options.
11. Where will my account be located?
Charles Schwab & Co., Inc. serves as our custodian. Your account will be held in your name at Charles Schwab & Co., with Ring Mountain Capital having discretionary authority to make investment decisions on your behalf.
12. How do I become a client of Ring Mountain Capital?
Call or email Ring Mountain Capital’s office to set up an initial consultation. After a thorough review of your financial picture and a discussion of your financial goals and our services, if we mutually agree to establish a relationship, we will assist you with opening an account(s) and transferring assets from other firms.
13. Does Ring Mountain Capital register with a regulatory body?
Ring Mountain Capital is registered in the state of California as a Registered Investment Advisor.
14. Who makes the investment decisions?
Scott Arwin, the Chief Investment Officer, is trained and experienced in security and portfolio analysis. Scott will select all securities and investments with respect to each client’s investment guidelines.
15. What is the Chartered Financial Analyst (CFA) designation?
Chartered Financial Analyst is a professional designation earned by candidates that have passed a series of 3 rigorous examinations measuring their competence and integrity. Awarded by the CFA Institute, it is one of the fastest growing professional credentials in the world and is a globally recognized standard. The CFA Institute leads the investment industry by setting the highest standards of ethics and professional excellence.
Contact Us
We are located on Tiburon Blvd. in picturesque Tiburon, CA and just a few blocks from Main Street in downtown Tiburon, Please send us a message below or to request a complimentary 1 hour consultation click on the bubble next to Yes below and click submit. We looking forward to speaking with you.
Our Office
1610 Tiburon Blvd., Suite 200
Tiburon, CA 94920
Mon- Fri 6:30am – 3:00pm
+1 415-350-1355
info@ringmountaincapital.com