Advisory Services RB Capital Management, LLC (“RB Capital”) is a limited liability company organized in Delaware. RB Capital has been registered as an investment advisor since August 2000. Our principal owner and officer is Robert W. Ballan.
Investment Management RB Capital Management LLC is a fee-based investment advisor specializing in hedged strategies and managed fixed-income portfolios. Our goal is to maximize your return while limiting your risk by developing diversified, personalized portfolios. The firm is led by principal and founder Rob Ballan who brings 30+ years of professional investment expertise. Rob is responsible for the overall performance of RB Capital Management. He has designed portfolios hedging equity portfolios and created bond portfolios to meet changing economic conditions. Our current assets under management total more than $717 million. This includes portfolios for individuals, businesses, trusts, and foundations.
 Asset allocation and diversification is the core of our investment practices.
 We distribute wealth amongst a range of economic sectors, investment instruments and hedging strategies.
 Due diligence is performed on all investments with continuous monitoring.
 Client-focused personalized portfolios reflect each client’s goals, age, financial situation, tax consequences and risk tolerance.
 Client’s portfolios are continually fine tuned as warranted by changing global market conditions.
 Our fee is based on account balance, our firm prospers as our clients’ assets grow.
Clients can dictate whether they want to avoid certain industry groups. Clients can also deposit shares into an account and can direct us not to sell and initiate a hedge strategy on that particular position.
How Investments are Selected The investment process begins with a client interview. Together, we complete and Investment Risk Questionnaire. We then use this information combined with supplemental information gleaned from client meetings to create an appropriate Asset Allocation.
Next, a Client Action Plan is prepared with specific investments, allocation percentages and any changes we propose in the client's current portfolio holdings. Our investment plans are designed for the long term and do not incorporate any market timing approaches.
We use a combination of Fixed Income, Equities, and Alternative Investments such as Precious Metals, Real Estate, and Commodities.
We design and implement Fixed Income portfolios with a combination of Long and Hedged Equity. The Hedged Equity is in the form of Covered Call Writing on individual equity positions. Covered Call Writing is a conservative option strategy that is viewed by the Options Clearing Corp as even more conservative than holding a stock long.
We recommend custom Fixed Income for most of our clients. There is credit risk as well as interest rate risks involved when investing in bonds. We design custom portfolios for each client's individualized goals to guard against significant interest rate and credit risk.
All investments involve different degrees of risk. You should be aware of your risk tolerance level and financial situations at all times. We cannot guarantee the successful performance of an investment and we are expressly prohibited from guaranteeing accounts against losses arising from market conditions.
Proxy Voting You may provide authority for us to vote proxies on your behalf. We generally cast proxy votes in favor of proposals that increase shareholder value and generally cast against proposals having the opposite effect. Mr. Ballan is responsible for our decisions on proxy voting. He verifies that the proxies are voted in a prudent and diligent fashion and only after a careful evaluation of the issue presented on the ballot. If we have the authority to vote proxies, you may provide direction regarding how we vote the proxies for your account.
You may elect to retain the authority to vote the proxies yourself. In this case, you will receive proxies and other related paperwork directly from your custodian. Upon request we will provide guidance about voting a specific proxy solicitation.
You may request a copy of our Proxy Policies and Procedures

and/or information about how a proxy was voted at any time by contacting Robert Ballan.
Financial Planning Financials plans take into account the following factors:  Age  Risk Tolerance  Tax Bracket  Total Wealth  Account Type  Financial Situation  Financial Goals  Cost Basis of Current Holdings  Current Holdings the Client Wishes to Keep Advisory Fees Fees for investment management services are calculated as a percentage of assets under management.
These fees are billed quarterly in arrears, based on the assets under management as of the last day of the calendar quarter. Fees are based on the following schedules.
Long Equities Account ValueAnnual Fee Up to $100,0001.75% $100,001 to $250,0001.50% $250,001 to $500,0001.25% $500,001 to $1,000,0001.00% $1,000,001+0.75% Fixed Income Account ValueAnnual Fee Up to $1,000,0000.75% $1,000,001 to $2,500,0000.50 $2,500,001 to $5,000,0000.40% $5,000,001+0.35% Hedging Strategies Account ValueAnnual Fee Up to $100,0002.50% $100,001 to $250,0002.00% $250,001 to $500,0001.75% $500,001 to $1,000,0001.50% $1,000,001+1.25% The fees shown above represent our basic fee schedule; however, fees may be negotiable in certain limited circumstances and arrangements with any particular client may vary. We consider asset size and investment strategy when negotiating fees.
Financial planning services are included in the above fees.
You may end our advisory relationship by providing 30 days written notice. We will prorate the advisory fees earned through the termination date and send you an invoice for the advisory fees due.
Clients do not incur transaction charges. However, you may pay custodial fees, advisory fees charged by sub-managers and charges imposed directly by mutual funds and exchange traded funds or index funds, which charges are disclosed in each fund’s prospectus.
Fees will be automatically deducted from your account in accordance with the following process for your protection:  You must provide authorization for us to pull fees by initialing the appropriate section of our investment management agreement.
 You will receive a statement from your custodian which shows all transactions in your account, including the deduction of our fee.
 You are responsible for reviewing the accuracy of the fees being billed, as the custodian will not do so.
The advice we offer you may involve investment in mutual funds and/or exchange traded funds (“ETFs”).
All fees paid to us for investment advisory services are separate and distinct from the fees and expenses charged by mutual funds and ETFs to their shareholders (described in each fund’s prospectus). The fees not included in the advisory fee for our wrap services are charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (i.e., fund management fees and other fund expenses), fees for trades executed away from the custodian, mark-ups and mark-downs, spreads paid to market makers, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. We advise you to review all fees charged by mutual funds, ETFs, RB Capital and others to fully understand the total advisory fees you may be paying.
A wrap account program may not be suitable for all your investment needs, and your decision to participate in a wrap fee program should be based on your individual financial circumstances and investment goals.
The benefits under a wrap account program depend, in part, upon the size of your account and the number of transactions likely to be generated in the account. For example, wrap accounts may not be suitable for accounts with little activity or accounts comprised principally of fixed income securities.
Participating in a wrap account program may cost more or less than the cost of purchasing the same services separately from a broker or dealer. RB Capital pays Schwab transaction costs for each executed trade in wrap fee accounts. As a result, we have a financial incentive to limit orders for wrap fee accounts because trades increase our transaction costs. Thus, an incentive exists to trade less frequently in a wrap fee program.