Our fee is not dependent on the size of your investment portfolio.

We charge a fee of $18,000 annually, including investment management.

There’s no AUM fee, no commissions, hidden fees, or extra charges - just straightforward pricing aligned with your best interest.

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Fee Calculator — Arcadia Private Wealth

Fee Comparison Calculator

Flat Fee vs. AUM: What's the Real Cost?

See how much more your portfolio could grow when you pay a flat annual fee instead of a percentage-of-assets (AUM) fee.

Portfolio size $3.50M

Annual return (before fees) 7.0%

Time horizon 20 years

AUM fee rate 0.85%

Flat fee starts at $18,000/year and increases 2% annually — by year 20, the annual fee is $32,490.

Total AUM fees paid

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over the period

Total flat fees paid

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$18K growing 2%/yr

Flat fee advantage

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AUM portfolio — ending value

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Flat fee portfolio — ending value

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Flat fee advantage — ending value

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more in your pocket

Flat fee — Arcadia ($18K, +2%/yr inflation increase) AUM advisor

Year-by-year breakdown

Year	AUM Fee (yr)	Flat Fee (yr)	AUM Balance	Flat Balance

See if Arcadia is a good fit

We serve investors and families with $1.5M+ in assets for a flat fee of $18,000/year — no percentage-of-assets charges that quietly grow as your portfolio does.

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For illustrative purposes only. Assumes consistent annual returns with no additional contributions or withdrawals. Arcadia's flat fee starts at $18,000/year and is inflated at 2% annually for illustrative purposes only. AUM fee is applied annually to the beginning-of-year balance. Does not account for taxes, inflation, or differences in advisor services. Past performance is not indicative of future results. This calculator does not constitute financial advice and no guarantee of a return is implied or intended. All investing involves risk.

Why we charge a flat fee instead of an AUM fee:

For a service that is as important as managing your financial life, you should expect to pay a reasonable fee. In some instances, however, the fees charged by a financial advisor may actually be compounding as your investment assets grow. This is because most traditional financial advisors charge clients an Assets Under Management (AUM) fee, in which they deduct a portion of the client’s investment portfolio every year. These fees may seem reasonable at first, presented as a “percentage” of your investment portfolio, but when translated to actual dollars the numbers can be surprising. Average financial advisor fees from a 2023 study are shown here.

See how the costs compare between these two charts:

Table showing investable assets with decreasing average advisor fees from 0.91% to 0.69% and corresponding annual advisor fees from $18,200 to $69,000.

Table showing investable assets from $2,000,000 to $10,000,000 with 0.00% Arcadia AUM fee and annual advisor fees of $18,000 each.

Consider the following:

For many high net worth investors, the fee they pay their traditional financial advisor is one of their larger retirement expenses.

Under the traditional AUM fee model, this expense will grow every year, for the rest of their lives, with potentially no corresponding increase to the quality of the financial advice they receive.

In our opinion, the amount of time, effort, and resources for a financial advisor to manage a $2,500,000 or $5,000,000 portfolio is generally the same. The only difference between these two clients is the values on their account statements.

Financial planning and retirement needs: Both of these clients (one with $2,500,000 of investable assets and the other with $5,000,000) require financial plans of similar complexity. They both have unique financial goals they wish to accomplish, specific cash flows they expect to realize, and a known amount of portfolio assets to fund their retirement goals.

Investments: There is no real difference between them when it comes to investment management. Both portfolios should be rebalanced, invested appropriately and aligned with their target allocation and Investment Policy.

Client Service: Both clients deserve expedient service from a dedicated advisor, regular meetings, and ongoing planning support.

Fiduciary Standard: Both clients deserve an advisor who serves as a fiduciary in all circumstances, and for all account types. Their advisors should be required to act in the clients’ best interest at all times.

Although there is nothing inherently wrong with the AUM model, we believe it is important for investors to investigate how much they are paying in advisor fees in dollars, not in percentages.

Arcadia is proud to be a flat-fee wealth management firm.

And we'd love to have a conversation about how we can help you make the most of your money.

Talk with a Flat-Fee Advisor