Common Questions

Clear communication is the bedrock of any good relationship, whether it's personal or professional. If you don't see your question answered below then please ask us!

General Questions

What is the value of working with a financial advisor?

Research shows that investors who use an advisor do better financially and feel more confident about their finances than investors who do not use an advisor. Investors who use an advisor typically see annualized returns improved by 3% over the long-term, according to Vanguard. Some of the best studies come from Vanguard. They are able to sample tens of thousands of investors. Some use no advisor, some use vanguard advisors, and some use third-party advisors. Read more here.

What are your fees?

The only fee we charge is an asset management fee. We charge a 1.5% annual fee on the assets we manage directly. This aligns our financial incentives with yours, which is to maximize your total returns.

Why is your fee higher than other investment managers?

This is a common question. ARM Financial operates like a hedge fund that also provides financial advice. Compared to a typical hedge fund, which charges a management fee and a performance fee, ARM Financial’s fee is a good deal for you.

Does a 3% difference in annualized return have an impact?

Yes. Take the example of a $1 million investment over 15 years at a 7% annual return and at a 10% annual return. The former yields $2.75 million while the latter yields $4.18 million. That’s a $1.42 million difference.

Where are client funds kept?

Separately managed accounts and the INDEX+ fund are held at Interactive Brokers LLC, one of the nation’s largest independent brokerage firms. Opportunities fund investments are called from clients when needed to make private placement investments.

Why are there no testimonials on your site?

The investment advisors act of 1940 prohibits investment advisers from publishing, circulating or distributing any advertisement that refers, directly or indirectly, to any testimonial of any kind concerning the investment adviser or concerning any advice, analysis, report or other service rendered by the investment adviser. Case studies are posted at this link. References are available upon request.

What are the steps to open an account?

There are three steps:

1. Sign your asset management agreement with ARM Financial. (Docusign)

2. Set up your Interactive Brokers account. (15 minute application over the phone, Docusign, submit copy of driver’s license)

3. Fund your account. (check, wire, or ACATS)

That’s it!

What are the steps to withdraw money or close an account?

Your funds are available for withdrawal with 3 business days notice.

You can close your account at any time with 30 days notice.

We charge no account closing fees.

About Our Services

Financial Advising

We help affluent individuals make the transition past depending on earned income. At ARM Financial, we help you understand how your money affects you and the things that are important to you. A key benefit to working with us is having an unbiased third party reminding you to focus on the things that are important to you. We can also help relieve the burden of making investment decisions and make you feel like your money is working as hard as possible for you.

Investment Management

Our mantra is that we want you to be fine no matter what happens in the future. To that end, our investment management process is built around understanding you and your goals. We then select a diversified and hedged set of public and private investments that are designed around your goals.

Have a Different Question?

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Or call — 833 200 0192