Mission

River Rose Financial is a fee-only, fiduciary investment advisory firm dedicated to serving high-net-worth individuals and families. We combine rigorous quantitative analysis with systematic portfolio management to help clients navigate complex markets with discipline and transparency. Our mission is to deliver sound, data-driven investment management through rigorous analysis and genuine alignment of interests.

About the Adviser

Thomas MacPherson is the founder and sole principal of River Rose Financial, LLC. He brings a background in applied data science and quantitative research to investment management — translating the analytical rigor of institutional portfolio construction into a transparent, rules-based advisory practice built for high-net-worth individuals and families in the Roaring Fork Valley.

Prior to founding River Rose Financial, Thomas spent over eight years in applied research environments, including Regeneron Pharmaceuticals, where he developed expertise in statistical modeling, data pipeline architecture, and quantitative analysis. That foundation underpins every aspect of how River Rose Financial builds and monitors client portfolios.

Thomas holds a Series 65 license as an Investment Adviser Representative and completed a Master of Applied Data Science from the University of Michigan with a 4.0 GPA, with coursework directly applied to portfolio construction methodology, risk modeling, and investment analytics. He lives and works in the Roaring Fork Valley, Colorado.

Credentials

Series 65 — Investment Adviser Representative

M.S. Applied Data Science
Specialization: Data Analytics
University of Michigan

Master of Biology
Specialization: Molecular & Cellular Biology
University of Western Ontario

Prior Experience

River Rose Financial
Quantitative Research & Data Science
Regeneron Pharmaceuticals
Scientist

Location

Snowmass Village, Colorado
Serving the Roaring Fork Valley

Philosophy

We believe successful long-term investing requires:

• Discipline Over Emotion: Systematic processes prevent impulsive decisions during market volatility
• Evidence Over Opinion: Investment decisions backed by quantitative analysis and historical data
• Transparency Over Opacity: Clients deserve to understand exactly what they own and why
• Alignment Over Salesmanship: Our principal invests alongside our investment framework, ensuring genuine alignment of interests

We avoid chasing short-term performance or making dramatic tactical shifts based on market predictions. Instead, we focus on building resilient portfolios designed to compound wealth over time while managing downside risk through disciplined risk management protocols.

Approach

We employ a systematic, research-driven approach to portfolio management built on three core principles:

• Asset Allocation: Strategic portfolio construction based on client risk tolerance, time horizon, and financial objectives, informed by macroeconomic analysis and market conditions
• Risk Management: Disciplined rebalancing protocols, tax-loss harvesting strategies, and ongoing monitoring of portfolio risk exposures
• Tax Efficiency: Thoughtful placement of assets across account types, optimization of covered call strategies for income generation, and proactive tax management

Our portfolios typically incorporate a diversified mix of equities, fixed income, and derivatives-based income strategies, tailored to each client's specific circumstances. We utilize systematic rebalancing rules and data-driven signals to inform allocation adjustments, removing emotional decision-making from the investment process.

Platform

We provide clients with direct access to proprietary research and analytics tools built on professional-grade data sources:

• Market Intelligence: Daily "Market Currents" briefings synthesizing relevant news, economic releases, and market developments
• Macroeconomic Analysis: Real-time tracking of employment data, inflation metrics, yield curves, and key economic indicators that drive market behavior
• Corporate Valuations: Sector-level analysis of valuation metrics (P/E, PEG ratios) and relative performance to identify opportunities
• Performance Reporting: Transparent, real-time portfolio tracking with detailed analytics on returns, risk metrics, and tax implications

Our technology infrastructure integrates professional-grade data sources including FRED (Federal Reserve Economic Data), market indices, and corporate fundamentals, delivered through custom-built visualization tools and interactive dashboards.

Contact

For inquiries about our investment approach, research capabilities, or to schedule a consultation, please contact us at info@riverrosefinancial.com.

We welcome conversations with prospective clients who are seeking a quantitative, transparent, and disciplined approach to wealth management.