You are invested in the market for only one reason:   RETURN

Invest  With  Confidence

Since 1950:

17% investment return during Bull cycles.

0% realized loss during Bear cycles.

Invest With Confidence

The majority of 40,000 endowments in the U.S.

underperform the market.   


Invest  With  Confidence

Number Of
U.S. Endowments
2016 - 2021
Five Year Return
Endowment Return
S&P 500 Return

The Ross Financial Group (RFG) developed the Tides Portfolio in response to clients who were dissatisfied with the returns they were receiving from traditional active investing.  National data revealed that over 90% of the top U.S. fund managers were failing to achieve the return of their market indices. [From 2017 Standard & Poor Index Versus Active (SPIVA) Summary: "...over the 15-year investment horizon, 92.33% of large-cap managers, 94.81% of mid-cap managers, and 95.73% of small-cap managers failed to outperform (their respective benchmarks)"].

The world had changed, and so had the stock market.  Decades of federal regulation had made the market so efficient that it had become very difficult for active investing, net fees, to consistently achieve, let alone surpass, the market return.

The Tides Portfolio uses a passive index asset allocation to achieve three goals, net all fees:

  • An annual compounded return of at least 7% during any 10-year period;

  • At least the return of the Dow Industrials during Bull cycles;

  • O% realized loss during Bear cycles.

Our annual advisory fee is only 50 basis points/year on assets exceeding $1,000,000, and we absorb all commissions and brokerage fees.

Our results speak for themselves:



64 66th Place • Long Beach CA 90803 • 562 438.1000