Our Investment Philosophy

At Croix River, we believe in providing our clients with a retirement designed money management system that is designed to be low risk and low volatility.

Through our Retirement Designed Money Management System, we look after our clients by providing them with portfolios to help protect what they’ve worked so hard to build. We help retirees who strive to secure a better retirement through our fee-based asset management, always ensuring their individual needs remain our top concern. We have access to a platform of Private Wealth Managers.

Low Volatility Investing

The idea of low risk and low volatility investing, with solid returns over time (5, 10, 15 years plus) was an attractive alternative to the “buy and hold” mentality and “just take your lumps” investing that was prevalent. “Past performance is no guarantee of future results. Investing is risky. Investors can and do lose money.”

Retirement Designed Money Management System

Retirement Designed Money Management System, we look after our clients by providing them with portfolios to help protect what they’ve worked so hard to build.

Private Wealth Managers

Integrating investments with tactical low to moderate risk portfolios.


We believe in Tactical Asset Management where our platform of Private Wealth Managers can go “Risk off” to cash, take advantage of the stock market if it goes up or down and can potentially earn money for our clients if interest rates increase or decrease.

For retirees, pre-retirees and conservative investors, we do not believe that “Buy & Hold” and Asset Allocation Models are appropriate, considering investor drawdowns/losses could be 50% in the S&P 500 as we experienced during the Great Recession.

Integrating investments with tactical low to moderate risk portfolios.

At Croix River, we believe in providing our clients with low risk and low volatility portfolio management. Through our Retirement Designed Money Management System, we look after our clients by providing them with portfolios to help protect what they’ve worked so hard to build. We help retirees who strive to secure a better retirement through our fee-based asset management, always ensuring their individual needs remain our top concern. We have access to a platform of Private Wealth Managers.

* There is no guarantee that managers will be able to avoid future market losses by going risk off to cash. In addition, holding cash may carry the risk that a manager will not be invested during periods of positive market performance.