Arsenal Financial, LLC

Arsenal Financial, LLC (doing business as Arsenal Planning) provides financial planning and consulting to individuals, high‑net‑worth clients, trusts, estates, businesses and retirement plans, offering engagements on a monthly subscription, hourly, or fixed‑fee basis. The firm does not accept custody of or directly manage client investment assets; asset management and brokerage services are available only through its advisory representatives in their separate, dually‑registered capacity with an unaffiliated broker‑dealer/registered investment advisor.

Financial planning engagements are billed as monthly subscriptions ($100–$500), hourly ($250) or fixed fees ($1,200–$10,000), with onboarding and initial planning fees generally in the $1,000–$10,000 range and typical deliverables completed within six months when information is provided promptly. When investment recommendations are made as part of a plan, the firm may use fundamental, technical, cyclical and charting analyses, refer clients to outside specialists, and coordinate implementation through its representatives’ separate arrangements.

Compared with many firms in the investment‑manager category, Arsenal Planning is notable for charging hourly and subscription planning fees while not charging or directly offering percentage‑of‑AUM asset‑management fees itself, and for not maintaining client custody or AUM. The firm also discloses that its representatives may implement recommendations through an unaffiliated broker‑dealer or insurance activities in their separate capacities — including commission or insurance compensation and the option to reduce planning fees if clients engage those separate services — a structural arrangement the brochure identifies as a potential conflict of interest.