# Arete Financial Planning

Arete Financial Planning is an Asset Manager based in Scottsdale, US.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Scottsdale, US
- **Region:** North America
- **Address:** Scottsdale, AZ, United States
- **Founded:** 2016
- **Assets under management:** Undisclosed
- **Website:** aretefinancialplanning.com

## Regulatory record

- **CRD number:** 109717
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/109717

## About

Arete Financial Planning, LLC is an SEC-registered investment adviser with approximately $20 million in regulatory assets under management. The firm has 1 employee and 1 investment adviser. It operates with a small team.

## Sectors

- Financial Services

## People

- James Holloway — Founder & Wealth Manager
- Ryan Bond — Wealth Manager
- Bob Stinnett — Wealth Manager

## Questions

### Who runs investment decisions at Arete Financial Planning?

Founder James Holloway leads investment design and portfolio strategy, with wealth managers Ryan Bond and Bob Stinnett executing on client allocation and distribution plans. The firm operates as a flat structure with each advisor managing client relationships directly. Asset allocation models are built in-house and tilt toward factor-based, globally diversified portfolios, per the firm's communications.

### How does Arete Financial Planning charge for its services?

Arete is a fee-only fiduciary, charging either a percentage of assets under management or a flat retainer fee for financial planning. The firm does not sell insurance products, annuities, or receive commissions, which structurally aligns its compensation with portfolio longevity and withdrawal sustainability rather than transaction volume.

### What is Arete's specific approach to retirement income planning?

The firm prioritizes tax-bracket management across account types — taxable, tax-deferred, and Roth — to determine the sequence of withdrawals in retirement. Rather than simply targeting a spending number, Arete builds multi-year income plans that fill lower tax brackets each year and use Roth conversions aggressively in low-income windows.

### What asset classes does Arete avoid?

Arete does not invest directly in private equity, venture capital, hedge funds, or direct real estate. Concentrated single-stock positions are avoided, and the firm explicitly recommends against variable annuities and high-cost structured products sold by commission-based advisors.

## Related profiles

- [Argo Capital Management](https://altss.com/profile/argo-capital-management-limited)

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Last updated: 2026-06-03T20:00:00.000Z

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