ARK Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ark Advisors LLC is a fee-only, holistic financial planning firm that serves individuals and families — including non‑high‑net‑worth clients — and also provides services to pension plan sponsors. Its client offerings include comprehensive Encompass retainer financial planning and a flat‑fee Second Opinion X‑Ray, as well as retirement, tax, estate, insurance and portfolio recommendations.
When working with individual clients Ark primarily operates on a non‑discretionary basis, requiring client approval for each transaction and only executing recommendations when specifically authorized in writing via a limited power of attorney; when acting as a 3(38) investment fiduciary for plans it may exercise discretionary authority over model portfolios. The firm favors a passive, long‑term buy‑and‑hold approach that emphasizes no‑load, low‑cost, tax‑efficient index funds and ETFs (including approved Dimensional Fund Advisors strategies) and integrates tax and asset allocation considerations into portfolio construction.
Ark’s mix of services is atypical for its category: as of January 1, 2025 it reported $56,346,549 managed non‑discretionarily for individual clients alongside $22,947,350 managed on a discretionary basis for 401(k) pension funds, and it combines fixed retainer pricing for individuals with percentage‑of‑AUM pension fees and a $2,500 minimum quarterly pension fee. The firm does not accept commissions, does not sell insurance or investment products, and is not a private fund adviser.
Client services
Expertise
Fee options
Second Opinion X-Ray flat fee of $2,000; Encompass Retainer initial year charged at 200% of renewal retainer.
$0 - <$1,000,000: Quarterly fee $1,000 $1,000,000 - $1,999,999: Quarterly fee $1,500 $2,000,000 - $2,999,999: Quarterly fee $2,000 $3,000,000 - $4,999,000: Quarterly fee $2,500 $5,000,000+: Quarterly fee $3,000
Minimum fee: Minimum quarterly fee of $2,500 for pension consulting and 3(38) services Fee-only: Flat fee financial planning; e.g., $2,000 for Second Opinion X-Ray, Encompass Retainer fees based on net worth tiers paid quarterly in advance.
Main office
1010 S. Garfield Avenue, Suite 409
Traverse City MI 49686
Advisors at this office
1
Most active in
Michigan
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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