Disciplined Independent Investment Management

Independent Allocation. Systematic Discipline.

Cost-Conscious Approach.

Tower Ridge Investment Management employs a disciplined, model-based allocation framework designed to provide diversified market exposure while emphasizing cost efficiency, risk management, liquidity, and tax-aware portfolio construction.

Independent portfolio management and disciplined allocation principles guide the Firm’s investment approach. The Core Equity sleeves seek diversified market exposure aligned with each client’s objectives, risk tolerance, liquidity needs, time horizon, and tax considerations. The Core Equity sleeves differ by factor regime, economic sensitivity, and methods of market participation. Each sleeve is a distinct combination of investment characteristics rather than simply “more or less stock market risk”. The sleeves are not necessarily designed to predict rotations. They are designed to maintain diversified exposure as rotations occur without requiring tactical market timing.

Enhanced Income & Yield sleeves utilize income-oriented allocations designed to emphasize income generation, liquidity management, risk management, and diversified fixed income exposure. In tax-aware implementations, after-tax income efficiency is a portfolio consideration. Allocations may include municipal bonds, investment-grade fixed income securities, and limited enhanced-income exposures implemented through exchange-traded funds and other publicly traded securities. Enhanced-income allocations involve investment risk, including interest-rate risk, credit risk, and market risk, and are not intended to provide guaranteed income or principal protection.

Tower Ridge Investment Management Approach

In certain client accounts, portfolios may also include the Opportunistic satellite allocation designed to provide targeted exposure to higher-volatility growth-oriented investment themes through diversified publicly traded securities. Opportunistic satellite allocations are implemented selectively based on suitability, risk tolerance, investment objectives, and overall portfolio construction considerations, and may experience materially greater volatility and risk than core portfolio allocations.

The Firm emphasizes diversification, liquidity, cost efficiency, and tax-aware portfolio construction as foundational principles of long-term capital stewardship.

Tower Ridge Investment Management LLC manages participation in the markets utilizing low-expense ratio ETFs, individual equities, and zero-commissions-for-trades platforms when possible and available.

Solutions that provide disciplined and consistent portfolio management.

Tower Ridge Investment Management follows a documented suitability framework to ensure each portfolio model, sleeve, or satellite is recommended only when it matches your risk tolerance, investment objectives, time horizon, and circumstances. The progression of equity sleeve construction is built strategically for core exposure with structural portfolio controls.

Tower Ridge Investment Management core portfolio construction attempts to mitigate concentration levels to broaden participation across sectors, factors, and market capitalizations. This process may improve diversification and reduce reliance on a small number of companies or market segments. While periods of market concentration may favor narrow leadership, the benefits of a larger opportunity set are typically realized over complete market cycles rather than in every calendar year.

Direct access to the Portfolio Manager for personalized conversations about market conditions, regular reviews of your goals and risk tolerance, and ongoing alignment of your portfolio with your changing needs.

A thoughtfully curated framework offers diversified models and core allocations seeking differentiated return behavior and market participation for more consistent client fit across market environments.

Tower Ridge Investment Management was created to offer family and friends professional investment concierge service through cost-conscious management of curated portfolios without compromising standards, integrity, or fiduciary duty and always with each client’s unique situation top-of-mind.

Form ADV & Form CRS: Clients and prospective clients may obtain a copy of our current Form ADV (Parts 1, 2A, and 2B) and our Client Relationship Summary (Form CRS) by visiting the SEC’s IAPD website at https://adviserinfo.sec.gov/firm/summary/340348 or by contacting us directly. Conflicts of Interest Please refer to our Form ADV Part 2A (Brochure) for a full discussion of our fees, services, conflicts of interest, and other important information.

Email: info@towerridge.io

Tower Ridge Investment Management LLC CRD #340348

IMPORTANT DISCLOSURE

Tower Ridge Investment Management LLC is a Registered Investment Advisor with the State of Michigan (CRD# 340348). Registration does not imply a certain level of skill or training.

The information provided on this website is for informational purposes only and does not constitute individualized investment advice or a recommendation to buy or sell any securities.

Advisory services are only offered to clients or prospective clients where Tower Ridge Investment Management LLC and its representatives are properly licensed or exempt from licensure and have entered into an executed written advisory agreement.

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results.