Responsible Asset Management
Responsible Asset Management is a fee-only Salt Lake City RIA founded in 1997 that delivers investment advisory, retirement plan, and SRI/ESG services to individuals, families, small businesses, and Utah Retirement Systems participants via its own Model Portfolio Strategies and the Schwab PCRA channel.
- Company typePrivate
- Founded1997
- HeadquartersSalt Lake City, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Responsible Asset Management does
Responsible Asset Management, LLC is a fee-only registered investment advisor founded in 1997 and headquartered in Salt Lake City, Utah. The firm provides discretionary and non-discretionary investment advisory services to individuals, families, small businesses, institutions, and Utah Retirement Systems plan participants. Its service portfolio is organized around four pillars: (1) small business retirement plan management with fiduciary support for 401(k), 403(b), 457, SIMPLE IRA, SEP IRA, and defined benefit/cash balance plans; (2) Individual and Family Investment Management delivered through five proprietary risk-tiered Model Portfolio Strategies and client-specific asset allocations; (3) Sustainable, Responsible and Impact (SRI/ESG) Investing with over 20 years of dedicated practice; and (4) management of participant assets held inside the Schwab Personal Choice Retirement Account (PCRA) Self-Directed Brokerage option within Utah Retirement Systems 457 and 401(k) plans.
The firm's underlying technology stack combines its internal Model Portfolio methodology and client-specific asset allocation framework with third-party tools: Fi360 for fiduciary monitoring and fee benchmarking, Morningstar for investment research, and SmartVault for an Online Fiduciary Vault that stores fiduciary records and plan-sponsor monitoring reports. The firm positions itself around its fiduciary duty, fee-only compensation (no commissions), and founder-level personalized service; founder Jeff Cline (40+ years of investment experience, CFA Institute member) leads compliance while Nate Cline, who joined in 2017, serves as CEO.
Revenue is generated primarily through assets-under-management fees deducted quarterly from client accounts, supplemented by pass-through administration fees associated with the Schwab PCRA channel. The firm serves only US residents and is operationally concentrated in Utah, with the URS/Schwab PCRA partnership functioning as a core distribution channel into the public-sector employee market. The firm operates with between one and ten employees and is privately held by the founders with no disclosed institutional ownership, funding rounds, or subsidiaries.
Responsible Asset Management firmographics
Firmographics- Name
- Responsible Asset Management
- Legal name
- Responsible Asset Management, LLC
- Website
- https://ramtrf.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Responsible Asset Management is a fee-only Salt Lake City RIA founded in 1997 that delivers investment advisory, retirement plan, and SRI/ESG services to individuals, families, small businesses, and Utah Retirement Systems participants via its own Model Portfolio Strategies and the Schwab PCRA channel.
- Ownership category
- akta.pro rank
Responsible Asset Management industry classification
Industry- Product category
- Investment Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Trust, Fiduciary, and Custody Activities (523991), Pension Funds (52511)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Fee-Only Advisory (FSAEAAAL)
- akta.pro secondary industries
- Fee-Based Advisory (FSAEAAAM), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD), Sustainable/ESG Equity (Active) (FSAAAIAM)
Keywords
Where Responsible Asset Management is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Responsible Asset Management business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Assets Under Management (AUM) Fees: Investment management fees calculated as a percentage of assets under management, deducted quarterly from client accounts. This is the primary revenue stream for the firm.
- Utah Retirement Systems PCRA Administration: Quarterly administration fee of $12 charged by Utah Retirement Systems for Schwab PCRA accounts, passed through to clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | Assets Under Management Fee |
| Unit Pricing | Quarterly | Schwab PCRA Administration Fee |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Responsible Asset Management product offering
Product offeringCore offering
Responsible Asset Management is a fee-only Registered Investment Advisor providing personalized investment advisory services to individuals, families, small businesses, and institutions. The firm delivers advisory work through five proprietary Model Portfolio Strategies (Very Conservative, Conservative, Moderate, Moderately Aggressive, Aggressive), Small Business Retirement Plans with fiduciary responsibility, Schwab PCRA management for Utah Retirement Systems participants, and Sustainable/Responsible/Impact (SRI/ESG) investing.
Product overview
Responsible Asset Management is a fee-only Registered Investment Advisor offering investment advisory services to individuals, families, small businesses, and institutions. The core offering comprises four interconnected service lines: (1) Small Business Retirement Plans covering plan design, fiduciary services, and administration for 401(k), 403(b), 457, and other retirement vehicles; (2) Schwab Personal Choice Retirement Accounts providing self-directed brokerage access within Utah Retirement Systems; (3) Individual & Family Investment Management utilizing five proprietary Model Portfolio Strategies aligned to client risk profiles; and (4) Sustainable/Responsible/Impact Investing incorporating ESG criteria. All services are delivered with fiduciary commitment and transparency, emphasizing personalized attention over automated responses.
Differentiator
Problem solved
Functional benefit
Products and services
- Small Business Retirement Plans Employee retirement plan services for plan sponsors covering 401(k), 403(b), 457, SIMPLE IRA, SEP IRA, and defined benefit/cash balance plans. Includes 3(21) investment advice, 3(38) investment management, and plan fiduciary education, targeted at small business owners seeking fiduciary liability mitigation and personalized service in contrast to automated plan providers.
- Schwab Personal Choice Retirement Accounts (PCRA) Self-directed brokerage account management within Utah Retirement Systems 457 or 401k plans, providing plan participants access to professional investment management and thousands of investment choices beyond standard plan offerings, with values-aligned portfolio construction.
- Individual & Family Investment Management Fee-only investment advisory services for individuals, families, trusts, estates, and 529 plans covering Traditional IRA, Roth IRA, annuities, life insurance, financial planning, and estate planning, delivered through five proprietary risk-based Model Portfolio Strategies and client-specific asset allocations.
- Sustainable, Responsible & Impact Investing ESG-focused investment management incorporating environmental, social, and governance criteria, including SRI screening for values-based investing and impact investing for measurable social/environmental effects alongside financial returns. Offered as a values-aligned overlay applied within the firm's other investment advisory service lines.
Companies that use Responsible Asset Management
Customer profileSegments4 records
Ideal customer profiles4 records
Responsible Asset Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Responsible Asset Management partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Utah Retirement Systems (URS)coreURS allows plan participants to access the Schwab Personal Choice Retirement Account (PCRA), a Self-Directed Brokerage Account option within existing 457 or 401k plans. Responsible Asset Management acts as professional financial manager within these accounts, helping clients align investments with values and retirement goals.
- SchwabcoreSchwab provides the Personal Choice Retirement Account (PCRA) Self-Directed Brokerage Account platform that allows plan participants access to thousands of additional investment options beyond standard plan offerings.
- Fi360coreFi360 provides fiduciary monitoring platform and Fee Benchmarker services. Responsible Asset Management uses Fi360 tools to help plan fiduciaries reduce liability and perform fee benchmarking analysis for plan sponsors.
- MorningstarcoreMorningstar investment research is utilized alongside Fi360 for investment monitoring and reporting services to plan fiduciaries and clients.
- CFA InstitutecoreJeff Cline, Chief Compliance Officer and Founder, is a member of the CFA Institute and has adopted their Code of Ethics and Standards of Professional Conduct for all associates of the firm.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Responsible Asset Management competitors and assessment
Company assessmentEmerging players
- Betterment: Betterment offers digital and hybrid investment advisory with goal-based planning and retirement accounts, overlapping with RAM's individual and family investment management offering at a lower price point.
- Wealthfront: Wealthfront is a leading robo-advisor offering low-cost automated portfolio management and financial planning — competing for the same entry-tier individual and family advisory clients RAM serves.
- Green Century Funds: Green Century is an ESG-focused mutual fund family and advisory practice offering sustainable investing services, competing with RAM's SRI/ESG investment management niche.
- Ubiquity Retirement + Savings: Ubiquity provides retirement plan administration and fiduciary investment services for small and mid-sized businesses, overlapping with RAM's retirement plan and 3(21)/3(38) fiduciary offerings.
- Guideline: Guideline is a tech-forward 401(k) platform for small businesses with built-in fiduciary investment management — directly competing with RAM's Small Business Retirement Plans service line.
Broad incumbents
- Fidelity Wealth Management: Fidelity's wealth and retirement advisory business serves individuals, families, and small-business retirement plans with fee-based advisory and ESG options, competing with RAM across most of its service lines at far greater scale.
- TIAA: TIAA is a major fiduciary retirement-focused incumbent serving public-sector and education employees — directly overlapping with RAM's Utah Retirement Systems participant base.
Direct peers
- Schwab Wealth Advisory: Schwab's fee-based advisory offering serves mass-affluent and retirement-plan clients on the same Schwab custody/PCRA infrastructure that RAM leverages, making it a direct competitor for Utah retirement-plan participants.
- Vanguard Personal Advisor Services: Vanguard's hybrid advisory service offers ongoing investment advice, portfolio management, and fiduciary planning for a percentage of AUM — directly mirroring RAM's fee-based, advice-led model but at massive scale and lower fees.
Regional players
- Albion Financial Group: Albion Financial Group is a Salt Lake City–based fee-only RIA offering investment advisory and financial planning to individuals and institutions — a direct regional peer sharing the same Utah market and fiduciary orientation as RAM.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Responsible Asset Management social profiles
Digital presenceResponsible Asset Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Responsible Asset Management leadership team
Management profileNumber of profiles
Profiles2 records
Responsible Asset Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Responsible Asset Management M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Responsible Asset Management
What does Responsible Asset Management do?
Responsible Asset Management is a fee-only Registered Investment Advisor providing personalized investment advisory services to individuals, families, small businesses, and institutions. The firm delivers advisory work through five proprietary Model Portfolio Strategies (Very Conservative, Conservative, Moderate, Moderately Aggressive, Aggressive), Small Business Retirement Plans with fiduciary responsibility, Schwab PCRA management for Utah Retirement Systems participants, and Sustainable/Responsible/Impact (SRI/ESG) investing.
Is Responsible Asset Management a public or private company?
Responsible Asset Management is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Responsible Asset Management founded?
Responsible Asset Management was founded in 1997. It employs 1 to 10 people.
Where is Responsible Asset Management based?
Responsible Asset Management is headquartered in Salt Lake City, United States, in the North America region.
How does Responsible Asset Management make money?
Two revenue lines are on record. Assets Under Management (AUM) Fees are the primary driver. The others are utah Retirement Systems PCRA Administration.
Who are Responsible Asset Management's main competitors?
Emerging players on record are Betterment, Wealthfront, Green Century Funds, Ubiquity Retirement + Savings and Guideline. Broad incumbents are Fidelity Wealth Management and TIAA. Direct peers are Schwab Wealth Advisory and Vanguard Personal Advisor Services. Albion Financial Group is listed as a regional player.
Does Responsible Asset Management have an API?
No public API is recorded for Responsible Asset Management.
What industry is Responsible Asset Management in?
Responsible Asset Management's product category is Investment Advisory Services. Its primary akta.pro industry code is FSAEAAAL, Fee-Only Advisory, with a secondary code of FSAEAAAM, Fee-Based Advisory. Its NAICS code is 523940 and its SIC code is 6282.