Roel Campos

Engages in deploying financial technology solutions for institutional asset managers

Gratio Capital specializes in creating asset-building products for underserved consumers. The firm is a value-oriented investor that seeks to achieve long-term capital appreciation for their clients. They employ a consumer-driven system and method to promote philanthropic giving/lending and social activism based on customer purchases. The system and method optimizes customers' choices in the selection of funding options and the allocation of funding points among one or more of the selected funding options. Gratio Capital invests with a 3 to 5 year time horizon and tends to hold positions through difficult market environments as long as their view of the underlying assets does not change. Sherwood employs metrics to measure the fundamental underlying characteristics before they invest and they only buy when the stock price is favorable. Gratio Capital's equity investment approach focuses on (1) value investments including growing companies selling at value prices (2) contrarian investments and (3) special situations. The market-caps of the companies in which they invest varies based on the client's objectives, although their value approach often directs them toward small-cap equities which are more often mispriced in the short-term. Though not limited by sector, Gratio Capital tends to invest in the stocks of companies in the finance, electronic technology, technology services and energy minerals sectors. The firm invests across all market-caps. They strive to maintain a low turnover rate, although no specific number is targeted. Gratio Capital offers three overall investment strategies: focused equity, managed equity and principal protected. The firm's Focused Equity strategy is for clients with the highest volatility tolerance that are willing to trade short-term stability for outsized returns in the long run. This strategy requires a 3 to 5 year time frame. Accounts are focused in that typically only 3 to 10 positions are taken. Gratio Capital's Managed Equity strategy is for clients with medium volatility tolerance that want to grow principal but are not comfortable with large swings in value. The timeframe suggested is 3 to 5 years. Accounts are typically made up of 10 to 30+ positions. The firm's Principal Protected strategy is for clients with extremely low volatility or risk tolerance that are willing to forego the prospect of outsized returns for greater stability and certainty. This approach involves using fixed-income instruments to protect principal and investing a balance for growth. Gratio Capital's GoalMine is a unique investment product that gives all consumers, regardless of income level or investment knowledge, an easy and low-cost way to work towards their financial goals. The product is designed to make investing affordable, understandable and social. In addition to asset building products, Gratio Capital also serves as the investment advisor to the Gratio Values Fund, a value-oriented, domestic, small-cap core equity mutual fund.

Owns and operates radio stations

Operates as an international law firm

Offers Medicare plans

Functions as a College/University

Provides securities and commission services

Provides legal services