The Right Relationship Matters
The Rose Inc. is a small, smart, relationship driven investment management firm. We manage discretionary and non-discretionary portfolios for families and individuals. Working as fiduciaries, we place our client’s needs first.
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Each portfolio is personally managed to meet unique financial and philosophical objectives. There are no ‘canned’ recommendations, no ‘routine’ reviews—with The Rose, you have someone who values your business. We’ll know you—and most likely, your family, board of directors, perhaps even your kids and pets. We take the relationship seriously. Your interests come first.
Stephen A. Little
President and Chief Compliance Officer
Stephen Little has over three decades of experience in the financial services industry, including serving as an independent trustee (without financial affiliation) to the Unified Series Trust.
Education
MDiv., Christian Theological Seminary
BA, Wabash College
Corporate Experience
The Rose Inc
Unified Series Trust
Merchants Capital Management
Unified Management Corporation
Other
Ordination, United Church of Christ
Vietnam Veteran, U.S. Marine Corps
Get to Know Me – My Interests
Singing choral music
Acoustic guitar
Reading history, science fiction, theology & economics
Barn building and restoration
Squash and racquetball
Susan F. Little
Treasurer and Chief Investment Officer
Susan Little has over 30 years of experience in the health care industry, including 20 years of research in the healthcare and the financial services industries.
Education
BA, MT (ASCP) University of Maine
Emerson College
Corporate Experience
The Rose Inc
i-STAT Corporation (now Abbott)
Boehringer Mannheim Corporation (now Roche Diagnostics)
Central Maine Medical Center
Franklin Memorial Hospital
Eastern Maine Medical Center
Other
American Society for Clinical Pathology, Member
Santa Rosa Children’s Chorus Board of Directors, Treasurer
Get to Know Me – My Interests
Singing
Reading
Making jewelry
We Serve You
The Rose Inc. is a ‘fee only—long only’ investment firm. ‘Fee only’ simply means that our sole source of income for the firm is the fees our clients pay us. The ‘fee only’ business model binds us closely to the financial interests of our clients. ‘Long only’ means we do not engage in margins transactions, options trading or hedging strategies.
In this industry, “performance-based fees” has become a seemingly benign euphemism for “high-fees”. Our fee structure is straight-forward and transparent for all clients.
Annual Fee Schedule
- 95 basis points (95 one hundredths of a percent) on assets up to two million
- 75 basis points on amounts above two million
Cash Management Fee
- In instances where the firm manages cash and cash equivalents in short-term, fixed income securities, the fee is a flat 35 basis points.
Billing
- Fees are billed quarterly in advance based on the closing market value of accounts.
- Family accounts are aggregated for the purpose of determining fees charged.
- Fees are debited from the client’s account; an invoice with the amount of the fee and the method used to calculate the amount is sent for each transaction.
Other Fees
- The Rose Inc. does not receive any 12b1 fees from mutual funds used in its practice. No fees or commissions are received from any financial product or service provider associated with the firm.
- For services that fall outside the normal investment management activities, The Rose Inc. may charge fees of $175/hour with client agreement. For example, a client or prospective client may ask for an evaluation of investments in an account or portfolio where our firm is not the investment advisor.
- The Rose Inc. also provides pro-bono and paid investment management services to a small number of non-profit organizations.
View ADV: Part II Regulatory Filing
