Institutional Stewards of Capital
Orchestrating
Legacy
A disciplined approach to capital, guided by long term vision.
THE FOUNDATION
The Four Pillars of Wealth Management
The irreducible architecture of enduring wealth — each pillar a harmonic essential to the whole.
Preservation
Manage
Succession
Impact
INVESTMENT PHILOSOPHY
The Composition
Markets are polyphonic — volatile, layered, complex. Our strategy remains grounded in a fundamental key signature: disciplined conviction.
Conviction Over Consensus
Proprietary research drives allocation, not market sentiment.
Time as Instrument
We compose for decades, not quarters. We believe patient capital finds the deepest harmonics.
Structural Asymmetry
We seek positions where downside is bounded and upside compounds.
Risk Disclosure
All investing involves risk including loss of principal. No strategy assures success or protects against loss.
WEALTH COMPOSITION
How We Build It
Two integrated layers — a fiduciary investment foundation beneath a modular family wealth advisory framework — built to serve the complete financial life of an extraordinary family.
Core LayerFiduciary Asset Management
All clients receive institutional capital markets oversight and tactical portfolio capabilities.
Fee: Charged as a standard percentage of Assets Under Management (AUM), scaling down as assets increase.
Asset Management & Tax-Efficient Execution
Customized portfolio construction managed dynamically to mitigate downside market risk — paired with systematic tax-loss harvesting and taxonomy research.
Concentrated Position Strategy
Structured hedging, option-collar execution, and systematic liquidation blueprints for corporate executives and business founders.
Alternative Asset Integration
Due diligence, tax deferment, and performance aggregation.
Financial Planning & Cash Flow Analysis
Comprehensive financial planning and dynamic cash flow modeling — projecting income, liquidity needs, and capital deployment across both short-term operations and long-term wealth trajectories.
Family Wealth AdvisoryModular Add-On Services
Layered onto core services. Priced as an annual flat fee or subscription.
Tax Planning & Compliance
- In-house corporate & personal tax filing
- Multi-entity K-1 aggregation & tracking
- Quarterly estimated tax planning strategies
Estate & Legacy Architecture
- Direct coordination with drafting attorneys
- Flowcharting of Spousal Lifetime Access Trusts (SLATs), Grantor Retained Annuity Trusts (GRATs), and Dynasty Trusts
- Asset protection and multi-state trust mapping
Family Governance & Next-Gen Education
- Formal family council moderation and governance
- Financial literacy blueprints for future heirs
- Multi-generational wealth transition alignment
Philanthropic Strategy
- Private family foundation design & stewardship
- Optimization of Donor-Advised Funds (DAFs)
- Charitable Remainder Trust (CRT) implementation
CLIENT PROFILES
Who We Serve
We work with exceptional families and individuals — those for whom the complexity of their financial life demands more than a single discipline.
The Complex Qualified Purchaser
THE BLUEPRINT
High-net-worth business owners approaching a sale, real estate developers, or generational families with sprawling entity structures.
HOW WE CAN HELP
We serve as a single command center — where investment strategy and tax planning operate in concert, not in isolation. Our in-house tax planning capability means your portfolio decisions are made with full awareness of your personal tax return, entity structures, and year-end position.
PRICING FIT
Core portfolio on AUM + the full Family Wealth Advisory Suite as an annual flat retainer.
The Pre-Retiree or Retired Accredited Investor
THE BLUEPRINT
Corporate executives with significant equity compensation, medical specialists, and entrepreneurs experiencing a rapid rise in income.
HOW WE CAN HELP
We bring investment management and tax planning under one roof — so your portfolio is managed with direct knowledge of your marginal rate, equity compensation schedule, and concentrated stock exposure. No more coordinating between advisors who don't speak to each other.
PRICING FIT
Core portfolio on AUM + an à-la-carte Tax Planning & Compliance add-on module.
OUR PRINCIPAL
Frank T. Ro
A dynamic wealth advisor with over 25 years of experience across major financial institutions — bringing an institutional experience to private client relationships.
BACKGROUND
Frank brings a rare combination of institutional depth and personal dedication to every client relationship. His career spans over 25 years across Wall Street's most prestigious firms — with mastery across financial planning, capital markets, and portfolio management.
His background in middle market fixed income sales and trading, private client services, and comprehensive wealth management gives him a 360° perspective that few advisors can offer.
Bear Stearns & Co.
Middle Market Fixed Income Sales & Trading
JP Morgan
Private Client Services
Morgan Stanley
Wealth Management
CREDENTIALS
Certified Financial Planner
Enrolled Agent — IRS Certified Tax Authority
University of Southern California
B.M. Classical Guitar Performance
BEYOND THE PORTFOLIO
Frank resides in Rolling Hills Estates with his wife, two teenagers, and a Westie. During most days after work, he can be found either on the baseball diamond or near a swimming pool — watching or coaching his kids in their respective sports.
He has devoted his time to the local little league organization as well as serving on the board of the USC Asian Pacific Alumni Association.
He is also an avid fitness advocate who enjoys cooking and entertaining friends and family.
LEGATO INSIGHTS
Intellectual
Capital
Periodic research dispatches composed for the discerning principal — where rigorous analysis meets long-horizon thinking.
The Architecture of Perpetual Wealth
Asymmetric Positioning in Late-Cycle Markets
Succession & the Tax-Efficient Estate
Wealth Transfer Planning for Large IRAs
Strategic Tax Planning — Legislative Foundation
Charitable Optimization & Portfolio Tax Alpha
Business Structuring, MLPs & the Quarterly Execution Cycle
Wealth Strategies for Women — Financial Independence
Wealth Strategies for Women — Investing with Intention
Wealth Strategies for Women — Estate & Legacy Planning
Wealth Strategies for Women — Career Transitions & Retirement
Private Access
Receive the Dispatch
Legato Insights is distributed exclusively to qualified principals and their advisors. Each edition arrives when the thinking warrants it — never on a calendar.
Access our full research library — eleven whitepapers spanning perpetual wealth architecture, late-cycle positioning, estate strategy, the 2026 tax landscape, and our Wealth Strategies for Women series.
Explore the Research LibraryStories of Stewardship
Behind every portfolio is a family — navigating complexity, transition, and legacy. These are their stories.
The hypothetical situations above are based on real life examples. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments or strategies may be appropriate for you, consult your advisor prior to investing.
PRIVATE CONSULTATION
The Maestro's Desk
Begin a confidential dialogue. Share the nature of your inquiry and we will compose a response befitting its complexity.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.
Frank T. Ro is a Registered Representative with and securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, a registered investment advisor. Legato Private Wealth and Stratos Wealth Partners are separate entities from LPL Financial.
The LPL Financial registered representative(s) associated with this site may only discuss and/or transact securities business with residents of the following states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Office
21515 Hawthorne Blvd., Suite 200
Torrance, CA 90503
Phone
310-594-5952