How we place our clients first:

Objective Advice

 

We believe objective advice requires an alignment of interests.

 

We adhere to the highest legal and ethical standard of practice - the fiduciary standard - ensuring that the only advice we give is what serves our clients' best interests.  As an Independent Registered Investment Advisor, we operate solely as a 100% fee-only fiduciary advisor to our clients.

 

Our compensation is simple and transparent.  We do not receive commissions.  We do not accept kickback payments from third party mutual funds or other advisors.  We are compensated by the advice we provide, not by selling financial products. 

 

We believe that, by putting our clients' interests first, we achieve more together.

Independent

 

We are an Independent Registered Investment Advisor.  Because we are not affiliated with any outside interests, such as a brokerage firm or insurance company, we have no "hidden agenda" or drive to sell any particular financial product.

 

We believe our independence is essential to putting our clients first.

 

We do not accept payments from any outside entity.  The payments we receive are based on the size of your assets, aligning our advice to your best interests.  Our compensation is directly tied to the performance of your account, truly aligning our goal with your goal - growing your assets. 

Client Focused Relationships

 

We are a boutique firm who builds trusted, long-term relationships with our clients.  We’re in it for the long haul, helping our clients prioritize and set goals which reach across generations - education costs, retirement, estate planning, business succession planning, and wise investments.

 

Our distinctly personal service is free from the need to promote certain products and other commercial pressures that saddle representatives from brokers, banks, and insurance companies.

 

Our clients know our advice is objective and based on sound investment strategies tailored to their individual needs, goals, and circumstances.

 

Our clients know and trust their relationship with us is always kept personal and confidential.

 

Leadership

Dennis J. Bares, CFP®

 

Dennis is the founder of River Tree Capital Management, Inc.  He founded River Tree in 2013 with the goal of providing client-centered financial planning solutions to clients as a fee-only, Independent Registered Investment Advisor.  As President, Dennis enjoys serving his clients as their trusted Financial Advisor.  Prior to River Tree, Dennis founded in 1998 Bares Consulting Services, a regional financial services IT development provider in Minneapolis.  As Principal Consultant, Dennis designed and developed enterprise technology solutions for corporate clients in the financial planning, investment management, and home mortgage banking businesses.  Combined, Dennis has over 20 years experience serving and developing solutions for his clients.

 

Dennis is a CERTIFIED FINANCIAL PLANNER™ professional.  He holds a Certificate of Financial Planning from Northwestern University in Illinois and a B.S. degree in Business Computer Information Systems from Saint Cloud State University in Minnesota.  He and his wife have been residents of Bonita Springs, Florida for 15 years and are originally from Minnesota. 

 

 

External Relationships

 

River Tree Capital Management® has established strategic relationships with companies who embrace and support River Tree’s client-centered investment philosophy.  Our clients benefit from world class service and support provided by our following relationship partners:

 

Custodial Services

 

Our clients’ assets are held with a third party custodian.  TD Ameritrade Institutional, a division of TD Ameritrade, Inc., Member FINRA/SIPC, serves as our primary custodian providing our clients with competitive low-cost, high-value services and on-line access.  In addition, TD Ameritrade Institutional provides River Tree with leading edge technology for quick execution of trades, daily research and investment information, and reliable back-office support.

 

Research and Reporting

 

River Tree receives research, analytics, and portfolio management technology support from Morningstar, Inc.  Morningstar is a leading provider of independent investment research, portfolio management technology, and financial planning services to Independent Registered Investment Advisors.

 

Regulatory Compliance Support

 

River Tree receives regulatory compliance support from RIA Compliance Group, LLC., a national provider of full service regulatory compliance consulting to Independent Registered Investment Advisors.