Fees | Three Arch Wealth
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Transparent Pricing.
No Surprises.

FEE SCHEDULE

Simple, tiered pricing that
scales with your portfolio.

At Three Arch Wealth Management, we believe in full transparency and fair pricing. That’s why we keep our fee model simple and client-aligned, meaning we do better when you do better. That’s the way it should be.

Our fee schedule operates on an asset-based sliding scale, so the percentage you pay decreases as your portfolio grows, rewarding long-term growth and higher levels of entrusted assets. We typically work with clients with $500k+ in investable assets.

Assets Under Management ($)

Annual Rate (%)

Up to $500,000

0.90%

Next $500,000

0.75%

Next $1,000,000

0.60%

Next $2,000,000

0.45%

Next $2,000,000

0.30%

Next $4,000,000

0.25%

$10,000,000 and over

0.20%

WHO THIS IS FOR

White-glove service,
reasonable pricing.

Portfolio Size

Industry Median Blended Fee*

Three Arch Blended Fee

Savings with Three Arch

$500,000

1.00%

0.90%

10%

$1,000,000

1.00%

0.83%

18%

$2,000,000

1.00%

0.71%

29%

$5,000,000

0.85%

0.53%

38%

$10,000,000

0.75%

0.39%

48%

WHAT YOU RECIEVE

Your fee covers everything
under The Three Arch Approach.

There are no separate billing events for financial planning, tax strategy sessions, or additional meetings. Your advisory fee covers the full scope of our relationship, organized across the three arches.

ARCH I - PLAN WISELY

Financial Planning & Tax Strategy

  • Comprehensive financial planning

  • Tax planning and strategy sessions

  • Social Security and Medicare optimization

  • Insurance review and recommendations

  • Saving for college plans

  • Behavioral coaching and ongoing guidance

  • Life transition support - any time, as needed

  • Roth conversion analysis

ARCH II - INVEST STRATEGICALLY

Investment Management

  • Custom portfolio construction and management

  • Global asset allocation strategy

  • Ongoing risk monitoring and rebalancing

  • Tax-loss harvesting throughout the year

  • Tax-efficient asset location across accounts

  • Stock option and concentrated position strategy

  • Factor-based investing implementation

  • Consolidated performance reporting

ARCH III - BUILD PROSPERITY

Retirement & Legacy Planning

  • Retirement income planning and projections

  • Retirement account strategy and RMD planning

  • Withdrawal sequencing and cashflow guidance

  • Estate plan coordination with your attorney

  • Beneficiary and titling reviews

  • Charitable giving strategy

  • Trust coordination and oversight

  • Heir education (Family Office clients)

HOW WE COMPARE

Not all advisory fees are
created equal.

A 1% fee at a commission-based firm buys you very different things than a 1% fee at a fiduciary, fee-only firm. Here's how we stack up against the most common alternatives.

WHAT YOU GET

THREE ARCH

COMMISSION-BASED BROKER

ROBO-ADVISOR

LARGE WIREHOUSE

✓

Fiduciary standard — always

X

✓

Sometimes

✓

Fee-only, no commissions

X

✓

X

✓

Comprehensive financial planning

Rarely

X

Add-on cost

✓

Proactive, year-round tax strategy

X

X

Rarely

✓

Dedicated advisor who knows your full picture

Varies

X

Varies

✓

Estate & legacy planning coordination

X

X

Add-on cost

✓

Behavioral coaching during volatility

Varies

X

Varies

✓

Family office & heir education services

X

X

Select clients

✓

Transparent, fully disclosed compensation

X

✓

Partially

FAQ

Questions about 
our fees

We welcome questions about our fee structure. Transparency is a core part of who we are. If you don't see your question answered here, we're happy to discuss it directly.

  • The advisory fee is the primary cost of our relationship. Additionally, investment funds within your portfolio carry their own internal expense ratios (typically 0.03%–0.15% for index funds), and your custodian may charge minor transaction or account fees. These are disclosed separately and are not paid to Three Arch. We do not mark up fund expenses or receive any portion of fund fees.

  • No. Financial planning, including your comprehensive financial plan, tax strategy sessions, retirement projections, insurance reviews, Social Security analysis, and all ongoing planning meetings, is fully included in your advisory fee. There are no separate billing events for additional meetings or planning services.

  • Our standard minimum is $500,000 in investable assets. We may make exceptions in select circumstances, for instance, for younger professionals who are on a clear trajectory to meet our minimum, or for family members of existing clients. We are happy to have a conversation regardless of where you are today.

  • You may terminate your advisory agreement with us at any time without penalty or lockup. We want happy clients.

GET STARTED

You deserve to know what
you're paying and why.

Schedule a complimentary conversation — we'll walk you through our fee structure, explain exactly what's included, and answer every question you have before you make any decision.

According to industry research, a 45-year-old who partners with a financial advisor could grow their net worth by 92% to 113% more than someone managing their finances independently. Additionally, studies report a 3-4x return on every $1 spent working with an advisor.*

According to industry research, a 45-year-old who partners with a financial advisor could grow their net worth by 92% to 113% more than someone managing their finances independently. Additionally, studies report a 3-4x return on every $1 spent working with an advisor.*

*SmartAsset, The Value of a Financial Advisor: What's It Really Worth?, smartasset.com

Fee-Only & Fiduciary

We are a fee-only, fiduciary firm, meaning:

  • We have a legal obligation to act in your best interest

  • No commissions

  • No kickbacks

  • No product pushing

  • No conflicts of interest

PLAN WISELY

By thinking ahead, we can incorporate a number of strategies to best align your finances with your life's priorities.

  • Goal setting

  • Preparing a financial plan

  • Tax strategies

  • Social security optimization

  • Retirement account Advice 

  • Roth conversions

  • Insurance solutions

  • Withdrawal & deposit guidance

  • Saving for College

  • Medicare Counsel

PLAN WISELY

By thinking ahead, we can incorporate a number of strategies to best align your finances with your life's priorities.

  • Goal setting

  • Preparing a financial plan

  • Tax strategies

  • Social security optimization

  • Retirement account Advice 

  • Roth conversions

  • Insurance solutions

  • Withdrawal & deposit guidance

  • Saving for College

  • Medicare Counsel

More Than Investment Management

Fees include comprehensive financial guidance—not just portfolio oversight. We provide all of the following:

  • Evidence-Based Investment Management

  • Personalized Financial Planning

  • Proactive Tax Strategy and Optimization

  • Retirement and Estate Solutions

  • Client Education and Behavioral Discipline

  • Fiduciary Partner Focused Solely on Your Financial Well-Being

INVEST STRATEGICALLY

Leveraging decades of data and Nobel Prize-winning research, we construct and manage portfolios with a focus on optimizing risk and return.

  • Portfolio construction

  • Global asset allocation

  • Risk management

  • Strategies for stock options or concentrated positions

  • Tax-efficient asset location

  • Behavioral coaching

  • Tax-loss harvesting

  • Rebalancing

  • Values-based investing

  • Consolidated reporting & asset tracking

INVEST STRATEGICALLY

Leveraging decades of data and Nobel Prize-winning research, we construct and manage portfolios with a focus on optimizing risk and return.

  • Portfolio construction

  • Global asset allocation

  • Risk management

  • Strategies for stock options or concentrated positions

  • Tax-efficient asset location

  • Behavioral coaching

  • Tax-loss harvesting

  • Rebalancing

  • Values-based investing

  • Consolidated reporting & asset tracking

Fee-Only & Fiduciary

We are a fee-only, fiduciary firm, meaning:

PLAN WISELY

By thinking ahead, we can incorporate a number of strategies to best align your finances with your life's priorities.

  • Goal setting

  • Preparing a financial plan

  • Tax strategies

  • Social security optimization

  • Retirement account Advice 

  • Roth conversions

  • Insurance solutions

  • Withdrawal & deposit guidance

  • Saving for College

  • Medicare Counsel

PLAN WISELY

By thinking ahead, we can incorporate a number of strategies to best align your finances with your life's priorities.

  • Goal setting

  • Preparing a financial plan

  • Tax strategies

  • Social security optimization

  • Retirement account Advice 

  • Roth conversions

  • Insurance solutions

  • Withdrawal & deposit guidance

  • Saving for College

  • Medicare Counsel

  • We have a legal obligation to act in your best interest

  • No commissions

  • No kickbacks

  • No product pushing

  • No conflicts of interest

More Than Investment Management

Fees include comprehensive financial guidance—not just portfolio oversight. We provide all of the following:

INVEST STRATEGICALLY

Leveraging decades of data and Nobel Prize-winning research, we construct and manage portfolios with a focus on optimizing risk and return.

  • Portfolio construction

  • Global asset allocation

  • Risk management

  • Strategies for stock options or concentrated positions

  • Tax-efficient asset location

  • Behavioral coaching

  • Tax-loss harvesting

  • Rebalancing

  • Values-based investing

  • Consolidated reporting & asset tracking

INVEST STRATEGICALLY

Leveraging decades of data and Nobel Prize-winning research, we construct and manage portfolios with a focus on optimizing risk and return.

  • Portfolio construction

  • Global asset allocation

  • Risk management

  • Strategies for stock options or concentrated positions

  • Tax-efficient asset location

  • Behavioral coaching

  • Tax-loss harvesting

  • Rebalancing

  • Values-based investing

  • Consolidated reporting & asset tracking

  • Evidence-Based Investment Management

  • Personalized Financial Planning

  • Proactive Tax Strategy and Optimization

  • Retirement and Estate Solutions

  • Client Education and Behavioral Discipline

  • Fiduciary Partner Focused Solely on Your Financial Well-Being

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