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Financial planning, tax planning, & investment management designed for investors and families with $1,500,000+ in assets
Want to see how much flat-fee financial planning can save you? Use our calculator to input your portfolio value & current AUM fee to get an estimate of your annual cost of working with a traditional financial advisor:
If you're 50+, within 10 years of retirement, and have $2 million or more saved, we show you how much you can safely spend, how to keep more of your investment portfolio, and how to pay less in lifetime taxes.
So we created a new model, one in which we are on the same side as investors, fees are fair & transparent ($4,500 per quarter) with no AUM fees, and conflicts of interest are minimized. We are flat fee advisors offering private wealth management services in a novel new way.
Planning for retirement comes with unique challenges, from taxes and healthcare to income planning and protecting your lifestyle for the next 30+ years. We help future and current retirees answer the financial questions that matter most so they can retire with confidence and have a plan built for long-term peace of mind.
Where do I pull money from first? 401(k), IRA, Social Security, after-tax?
When can I actually retire, and will my money last?
How much can I safely spend, without being too conservative?
What should my investment strategy look like as I approach retirement?
How can I reduce taxes now and later in life?
Are my investments optimally built for retirement—or too aggressively allocated?
How do I turn my retirement savings into income that I can’t outlive?
How will Required Minimum Distributions (RMDs) increase my taxes?
Am I paying too much in advisory fees?
How do we protect the wealth we built and make sure it goes to the right people?
Many large wealth management firms operate like an assembly line and treat the client like a product and a number.
We think thoughtful retirement planning, well-researched investment decisions, proactive tax planning and a sensible fee structure provide you and your family with the best probability for success.
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We assess an annual fee of $18,000 per year ($4,500 per quarter). Our flat fee covers an entire household with no limit on the number of accounts managed or the size of the portfolio.
Our investment management philosophy is grounded in academic research, not market predictions. We believe successful investing is about discipline, diversification, and keeping expenses low.
Transitioning from saving money to spending it can be one of the most challenging phases of retirement. We help you build a reliable "retirement paycheck" that you are comfortable with. Our dynamic Guardrails approach is structured to prevent both overspending and underspending, letting you confidently enjoy retirement life.
As you grow closer to retirement, your financial challenges evolve. Our systematic planning process gives you clarity so you can retire with confidence and make informed decisions that align with your long-term financial goals.
Tax planning is integrated into everything we do. We take a multi-year strategic approach to minimize your tax burden over your lifetime.
For clients passionate about making a charitable impact, we develop strategies that align your giving with your values while maximizing tax efficiency.
Our 75-page fillable family binder was designed to help you organize the most important details of your financial life in one place. From accounts and insurance to estate documents and key contacts, this resource ensures your loved ones know exactly what to do if something happens. It’s a simple but powerful way to bring clarity, reduce stress, and protect your family when it matters most.
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While many of our clients call California home, we work with families across the country and have built a seamless virtual experience that makes it easy to get flat fee private wealth services wherever you are. Same advice, same attention, just delivered remotely. Have more questions? Check out our FAQ:
A 30-minute conversation to see if we might be a good fit to work together, over Zoom or at our San Diego office. We’ll discuss what you’re looking for in an advisor and how we can potentially help.
If it makes sense to move forward, we’ll send over a client agreement via DocuSign, as well as a secure portal to upload your financial information. We’ll begin to consolidate your investment and retirement accounts at Charles Schwab and create your custom Investment Policy.
This is an interactive meeting to review our observations and recommendations on all areas of your financial life to map out a plan moving forward. Typically lasts about 90 minutes, with a summary of the discussion points and action items provided after the meeting.
As part of our financial planning relationship, we regularly review and complete important tasks throughout the year together:
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We intentionally limit the number of individuals and families we work with so that we can remain committed to providing a high level of proactive service to each one. It’s therefore very important to us that we’ll be a good fit. And if for any reason it turns out we’re not, we’ll help you get to the right place.
Arcadia is currently accepting new clients.
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