Fiduciary Wealth Management

Low-Fee Investment Management

No Commissions.

No Products to Push.


ArcVest is an independent registered investment adviser, or RIA, helping families and institutions build disciplined, low-cost portfolios designed to reduce unnecessary fees, taxes, complexity, and conflicts.

As fiduciaries, we put our clients’ interests first. We use broadly diversified index funds and ETFs, paired with thoughtful planning, tax awareness, and ongoing guidance.

  • Evidence-based investing
  • Modern tools
  • Risk tailored portfolios
  • 401(k), IRA, Roth IRA, Trusts, Brokerage



Client Portal View

For illustrative purposes only. Not individualized investment advice or a recommendation. Actual client portfolios may differ. Investing involves risk, including possible loss of principal.

We Help Investors Reduce Friction

Compound Your Wealth Faster With Lower Fees

ArcVest vs. Wall Street Fee Impact Calculator

See how fee structures alone can affect long-term outcomes when both portfolios earn the same gross return before fees. Adjust the assumptions below to compare the projected ending value, estimated fees, and wealth gap over time.

Portfolio Inputs

Fee Assumptions

Comparison Results

ArcVest

Lower-cost starting assumption

0.45% total fee
Advisory Fee 0.40%
Product Fee 0.05%
Net Return 7.55%
Ending Value $0
Estimated Fees Paid $0

Wall Street

Traditional higher-fee starting assumption

1.50% total fee
Advisory Fee 1.00%
Product Fee 0.50%
Net Return 6.50%
Ending Value $0
Estimated Fees Paid $0
This calculator is for educational illustration only. It assumes the same steady gross annual return for both portfolios, monthly compounding, and annual fees applied evenly across the year. It does not reflect taxes, trading costs, timing differences, or individual portfolio design. Real-world investment outcomes will vary.

Our Partners:

Why invest with us?

Less Expense

At ArcVest we charge 0.40% of assets under management up to $4MM.

Above $4MM in assets, we charge 0.25%.

There are no start-up fees, no annual administration fees, and no hidden costs.

The Industry

Most wealth managers charge 1% or more of assets that they manage. With so much advancement in technology, that's way too much.

ArcVest has an investment management fee that is a fraction of the national average.

A substantial fee savings keeps more money in your pocket and compounds into greater wealth.

THE FIDUCIARY ADVANTAGE

Working with an advisor that is a fiduciary Registered Investment Advisor (RIA) ensures that your interests are always put first.

This isn’t the case when working with a Wall Street broker adhering to the suitability standard. A broker is under no obligation to put the client’s interest ahead of their own. This generally means higher fee products that benefit themselves and their firm.

RIAs are required by law to put your best interests above all else



Ignore the noise

Every year investors pay billions of dollars to financial advisors and fund companies who claim they can achieve superior returns. This claim is not supported. Few advisors, if any, have the skills needed to beat the markets, and those few people cannot be identified in advance. Nor does any out-performance persist over time

What do you choose?

There are two options a person can choose when managing an investment portfolio; active management and passive management. Active management is the belief that a person can achieve superior returns over market indexes. In contrast, passive management is all about achieving, as close as possible, the returns of the financial markets. Passive investors understand that market returns are good returns. The desire to beat the market is a powerful force and investors will spend a considerable amount of time and money searching for superior returns. That search is promoted by a multi-billion dollar Wall Street marketing campaign that employs an army of highly compensated salespeople. Despite all the time and money spent trying to identify ways to beat the markets, the net result falls far below expectations.

Low fees deliver value to clients

ArcVest charges 0.25% – 0.40% vs. >1% from most wealth managers. Low fees drive greater client returns.

Customized asset allocation

Truly understand the needs and goals of our clients. Build transparent, liquid and simple portfolios that meet client objectives. Maintain capital discipline through turbulent markets

Listen to those in the know

Every academic study on the subject points to one clear message; in aggregate the more you pay to invest, the lower your returns will be. Our clients do not participate in the massive wealth transfer from Main Street to Wall Street. They earn their fair share of market returns by holding a select basket of low-cost index funds and exchange-traded funds (ETFs) that match market performance.

Do the right thing

After seeing the inner workings of large and boutique investment banks, there is no question low cost investment management is the best method for clients. ArcVest is a leader in low-cost portfolio management. For a small annual fee, we will design, implement and maintain a low-cost, passively managed portfolio that is appropriate for your needs. Our services are economical, efficient and practical

Data trumps hope

Very few mutual funds, hedge funds, private equity funds or investment advisors are able to achieve superior performance with enough consistency to make it worth the effort. After paying fund fees, advisor fees, taxes, broker commissions and other related investment costs, an investor’s return typically falls well below the market. Spending time and money trying to beat the market with active management is counterproductive.

ArcVest

Retirement Calculator

Adjust the inputs — projections update instantly.

Balance at Retirement
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Total Monthly Saving
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You + employer match
Annual Draw from Portfolio
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Funds Status
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About You
Current Age35
1870
Retirement Age65
5180
Current Savings$75K
$0$5M
Expected Annual Return6%
Blended portfolio return
1%12%
Contributions
Your Monthly Contribution$1,000
$0$10K
Employer Match3%
% of your contribution matched
0%10%
Annual Contribution Increase2%
% you raise contributions each year
0%10%
Retirement Spending
Account Type
Withdrawals taxed at your rate below
Tax Rate in Retirement18%
Estimated effective rate on traditional withdrawals
0%35%
Monthly Spending Goal$5,000
$500$50K
Social Security$0
Your estimated monthly benefit
$0$5K
Other Retirement Income$0
Pension, rental, annuity, part-time
$0$10K
Inflation Rate2.5%
Annual increase in living costs
0%6%
For educational purposes only. Projections assume constant rates of return and do not account for investment fees, sequence-of-returns risk, or changing tax law. Employer match modeled as a percentage of your monthly contribution. Traditional withdrawals estimated at 18% effective tax rate. Consult a qualified financial advisor before making retirement planning decisions.
How This Calculator Works
Accumulation Phase
Your projected balance at retirement is calculated by compounding your current savings monthly at the expected annual return, adding your contribution each month. If you set an annual contribution increase, your contribution grows by that percentage each year. Your employer match is added on top — a 3% match on a $1,000 contribution adds $30/month to the projection.
Retirement Spending Phase
At retirement, the calculator switches to a drawdown model. Each month, your portfolio continues to earn the expected return while withdrawals are subtracted. Social Security and any other income you specify reduce the amount pulled from the portfolio each month. Your spending goal also increases each year by the inflation rate you set — so a $5,000/month goal at 2.5% inflation becomes ~$6,400/month by year 10. The "Funds Depleted" age is when the portfolio balance reaches zero.
Traditional vs. Roth
If you select Traditional, the calculator grosses up your withdrawals using your estimated tax rate — so if you want to spend $5,000/month and your rate is 18%, you need to withdraw ~$6,100 to net that amount after tax. You can adjust the tax rate slider to match your expected situation. If you select Roth, withdrawals are treated as tax-free and no gross-up is applied.
A Note on Return Assumptions
A 6–7% annual return is a common planning assumption for a diversified stock/bond portfolio. Historical U.S. stock market returns have averaged roughly 10% annually before inflation. More conservative allocations typically use 4–6%. No projection can guarantee future returns.
The 4% Rule of Thumb
The 4% rule originated from the 1994 "Trinity Study," which analyzed historical market returns to determine how much a retiree could safely withdraw each year without running out of money over a 30-year retirement. The finding: withdrawing 4% of your portfolio balance in year one, then adjusting that amount for inflation each year, had a high historical success rate across most market conditions.
As a quick benchmark, divide your projected retirement balance by 25 to get your estimated safe annual spend — or divide by 300 to get the monthly equivalent. So a $1M portfolio suggests roughly $40,000/year or $3,333/month. The calculator shows this figure live as a reference beneath the Monthly Spending Goal slider. It is not a guarantee: the rule assumes a diversified portfolio, doesn't account for fees or taxes, and was designed for 30-year retirements — longer horizons may call for a more conservative rate like 3–3.5%.
What This Calculator Does Not Model
· Taxes on investment gains during accumulation
· Required Minimum Distributions (RMDs) at age 73
· Social Security cost-of-living adjustments (COLAs)
· Investment fees or fund expense ratios
· Sequence-of-returns risk
· Healthcare costs or long-term care expenses
· Inflation impact on the accumulation phase