ARIS Capital Strategies, LLC

ARIS Capital Strategies provides retirement income planning and non-discretionary investment guidance to individuals and high-net-worth clients, offering services such as annuity strategy, retirement income design, insurance analysis, tax-aware distribution concepts, and portfolio recommendations. The firm tailors recommendations to clients’ goals, time horizon, income needs, and risk tolerance and may prepare an Investment Policy Statement or similar planning document when appropriate.

The firm integrates commission-funded fixed annuity solutions — including strategically laddered lifetime income annuities — into retirement plans while funding non-annuity segments with a time-segmented, passively managed allocation of low-cost ETFs, money market funds, and other diversified vehicles. ACS does not exercise investment discretion; clients retain decision-making authority and implementation occurs only with client approval, with periodic consultative reviews rather than discretionary trading.

What distinguishes ACS from many peers is its zero-fee business model: it eliminated advisory and asset-based fees and is compensated primarily through commissions paid by insurance carriers when clients purchase insurance products. The firm’s principals are licensed insurance agents with related business affiliations, the firm reports $12,000,000 in non-discretionary assets under management, and its reliance on insurance commissions instead of percentage-of-AUM fees and on other financial product sales is presented and disclosed as a material conflict in the brochure.