Arbor Financial

Arbor Financial Planning provides fee-only holistic financial planning and investment management to individual and family clients, serving a mix of non‑high‑net‑worth and high‑net‑worth individuals with no formal minimum asset requirement. The firm manages roughly $215 million in client assets across discretionary and non‑discretionary accounts and delivers ongoing planning engagements under a fixed annual fee arrangement.

The firm’s process centers on collecting clients’ goals, tax and cash‑flow information, and risk tolerance to produce tailored recommendations and implementation plans; in most cases it operates with discretionary authority to select, buy, and sell securities on behalf of clients. Recommended investments are generally low‑cost vehicles such as no‑load mutual funds, ETFs, U.S. government bonds, and cash equivalents, and the firm coordinates related services (for example, tax preparation) through an independent third‑party provider when needed.

Compared with peers, Arbor is notable for making comprehensive financial planning a core offering and for using fixed annual fees rather than common asset‑based billing, and it explicitly operates on a fee‑only basis without receiving commissions. The firm does not act as a private fund adviser and maintains memberships in fee‑only professional organizations that emphasize ongoing training and fiduciary standards.