A process built for clarity,
not complexity
"A financial plan without an ongoing process is just a document. The Three Arch Approach is the process; and the process is what actually changes lives."
THE FIVE STEPS
From first conversation to lifelong clarity.
The Three Arch Approach unfolds in five deliberate steps, each building on the last, and all of them designed to eliminate the gaps where wealth usually gets lost. Here is exactly what to expect when you engage with Three Arch.
1
STEP ONE
Discovery Conversation
We listen before we advise
No Spreadsheets, No Proposals, No product pitches. The first conversation is ours to understand you, your life, your goals, your concerns, and your history with money. We believe the best financial plans start with the right questions, not ready-made answers.
The decade before and after retirement is the most financially consequential, and the most dangerous time to make mistakes. We help you get it right.
2
STEP TWO
Financial Blueprint
A complete picture, not a sales document
This is where the real work begins. We gather your financial data: statements, tax returns, estate documents, insurance policies, benefit summaries, and build a comprehensive view of your full financial picture. Then, we model your future.
Your Financial Blueprint is a living document that maps every dimension of your financial life: retirement income projections, tax optimization strategies, investment policy, risk analysis, Social Security optimization, estate considerations, and more. It becomes the anchor for every conversation we have going forward.
3
STEP THREE
Portfolio Construction
Built to last. Built for you.
Once the Blueprint is complete and agreed upon, we build your investment portfolio. This isn't a model portfolio pulled from a shelf, it's a custom allocation designed around your plan, your timeline, your tax situation, and your values.
We invest in globally diversified, low-cost, evidence-based strategies. We're deliberate about where each asset lives across your accounts to maximize after-tax returns. And if you have concentrated equity positions, RSUs, or stock options, we build a plan to manage them thoughtfully.
4
STEP ONE
Financial Planning
We handle the complexity. You focus on your life.
The launch phase is where your plan moves from paper to reality. We open or transition accounts, coordinate asset transfers, implement your investment strategy, and establish all the systems that will power your ongoing relationship with Three Arch.
We know that account transitions can feel overwhelming. Our team handles every step and communicates clearly at each stage so you always know what's happening and what comes next.
5
STEP FIVE
Ongoing Partnership
This is where most firms stop. It's where we begin
A financial plan is not a document, it's a living strategy. Life changes. Markets move. Tax laws shift. Priorities evolve. The Keystone Approach is designed for the long arc of your life, not just the first 90 days.
The decade before and after retirement is the most financially consequential, and the most dangerous time to make mistakes. We help you get it right.