Carpe Diem Financial Life Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Carpe Diem Financial Life Planning is a solo registered investment adviser serving individuals, high‑net‑worth individuals, and small businesses. The firm provides comprehensive financial planning across areas such as cash flow, retirement, tax, estate, and divorce consultation, delivers periodic educational workshops, and offers portfolio management services.
The adviser combines Modern Portfolio Theory with elements of Austrian Economic Theory, favoring long‑term, globally diversified, tax‑efficient portfolios and occasionally employing hedging consistent with its macroeconomic views. Portfolio management is conducted on a nondiscretionary basis, with clients required to pre‑approve investment decisions and the firm performing quarterly monitoring and at least annual reviews.
Noteworthy for a firm of its size, the adviser is an Enrolled Agent and operates an affiliated accounting/tax practice (Carpe Diem Tax Services SLV) that provides tax and accounting services under separate engagement agreements, a relationship that is disclosed as a potential conflict of interest. The firm typically charges a fixed retainer or hourly fees rather than percentage‑of‑AUM billing, and its nondiscretionary model means accounts are not aggregated for trade execution, which can affect transaction costs compared with discretionary, AUM‑priced peers.
Client services
Expertise
Fee options
Hourly financial planning fee of $150 per hour, billed in 10-minute increments.
Fixed retainer fee ranging from $500 to $10,000 per year, paid quarterly in advance.
Minimum fee: Fixed retainer fee ranging from $500 to $10,000 per year, paid quarterly in advance.
Main office
Ben Lomond CA
Advisors at this office
1
Most active in
California
Also doing business as
Arne, Robert Courtland · Carpe Diem Financial Life Planning
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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