A clear view of how RootsOn works.

RootsOn Capital's primary service is discretionary portfolio management for families, trusts, and related entities. Portfolios are tailored to each client's objectives, risk tolerance, liquidity needs, investment horizon, tax considerations, and investment constraints.

Where appropriate, the firm may also provide project-based financial planning as a focused engagement within a defined written scope. More information is available on the Services page.

Using client-provided information and financial-planning software, RootsOn may prepare an integrated analysis of a client's current assets, investment allocation, projected asset values, cash flows, estimated tax profile, and projected estate values over time.

Depending on the agreed scope, the engagement may address financial goals, liquidity and cash-flow planning, investment policy design, portfolio allocation and risk considerations, scenario analysis and stress testing, Roth conversion considerations, trust and entity investment considerations, and estate-planning coordination.

Planning results are illustrative and depend on assumptions and information provided by the client. They are not guarantees of future results. Scope, deliverables, timing, and fees are established in writing before the engagement begins.

RootsOn works with a limited number of families, family-controlled entities, trusts, and related investment accounts.

For clients with more complex assets, the firm may consider how the managed portfolio fits within the broader family balance sheet, including material outside exposures, liquidity needs, and long-term goals. This perspective informs portfolio decisions; it is not a separate family-office or administrative service.

Client assets are held at qualified custodians selected by the client. The applicable custodial and advisory agreements describe the account structure and RootsOn Capital's investment authority.

RootsOn operates independently and is not affiliated with any broker-dealer, bank, or product issuer. This structure enables clearer fee transparency, and allows portfolio decisions to be made without constraints from affiliated products or distribution arrangements.

The current Table of Fees for Services lists commissions to the adviser as $0. Clients may separately incur brokerage fees or commissions, custodian charges, mark-ups, and mutual fund or ETF fees and expenses paid to third parties.

RootsOn's approach is grounded in institutional experience, academic rigor, and a long-term perspective on risk and return.

The firm emphasizes strategic asset allocation, diversification, risk management by design, transparent implementation, cost and tax awareness, and disciplined long-term oversight. Within that framework, selective adjustments may be made based on valuation, market structure, and prevailing risk conditions. Such adjustments are intended to complement—not override—each client's long-term objectives.

RootsOn Capital does not provide legal or tax advice.

Project-based financial planning may identify tax- and estate-planning considerations and compare scenarios, but it does not constitute legal or tax advice. Clients should consult the appropriate professional adviser before acting on legal, tax, retirement-distribution, Roth-conversion, or estate-planning matters. Where applicable, RootsOn may assist with investment-account implementation after the client has received that advice.

Where helpful, RootsOn may help organize investment-related information and questions for discussion with a client's CPA, estate attorney, custodian, or other professional advisers. Those professionals remain responsible for advice in their respective disciplines. RootsOn does not replace or supervise them.

Portfolio management fees are generally based on assets under management and are charged quarterly in arrears.

A separate fixed fee may apply to a defined project-based financial planning engagement. The scope, deliverables, timing, and fees for such work are established in writing before the engagement begins. Fees may be negotiable, and clients may also incur separate costs charged by custodians, brokers, or investment vehicles.

Please review the current Table of Fees for Services and Form ADV for complete information.

RootsOn Capital LLC is an investment adviser registered in the Commonwealth of Massachusetts. Registration does not imply a certain level of skill or training. Additional information is available through the SEC's Investment Adviser Public Disclosure website.

• Form ADV / Public Disclosure
• Table of Fees for Services