Please enter your contact information below.
Anti-spam check: 6 times 9 =
Phone or email
sign up for our quarterly newsletter?

ARM Financial LLC provides comprehensive financial advising and investment management services.

Financial planning philosophy: We believe in values based financial planning. Money is a means to an end, not an end in itself. We help our clients identify how money can help them achieve the things that are important to them.

Financial planning process:

Advising philosophy: Our clients look to us to be a trusted, thoughtful, and caring advisor. Our clients are smart people. When they encounter a new or complicated situation, we provide them with a thoughtful and expert perspective while keeping their long-term goals in mind.

Advising process: Call or email any time. We pride ourselves on our availability and responsiveness. We will

Investment philosophy: Cost effective diversification is the top priority. Or, said another way; maximize the number of ways to succeed while minimizing the number of ways to fail. We recommend that a large portion of investments should be in low cost index funds and the balance should be in alternative investments.

Investment process:

Fees: We charge a single flat fee on investments we actively manage for clients. We manage alternative investments in commodities and market timing strategies. The fees from this part of the business support all the services we provide. The fee is a flat annual fee of 1.5% of the value of the investments we manage directly. We do not charge a fee for passive index funds or investment assets managed by our clients. For a typical client that has 20% of their investments actively managed by ARM Financial and the remaining 80% in low cost index funds the total portfolio fee is about 0.4%, which is very competitive for comprehensive wealth management.

Past performance is not necessarily indicative of future returns. Futures involve the risk of substantial loss. Futures are not appropriate for all investors.

Recent Activity

January 15th:

from this article. "The ongoing crash in oil markets led to Wood Mackenzies much-publicized figure that $380 billion worth of oil projects have been cancelled since 2014. The totality of... Read More ››

December 10th:

Recent news articles claiming the impending death of oil are likely decades ahead of their time.

October 30th:

Exxon's US oil production unit lost $422M in the third quarter.