Three Arch Wealth Management

Registered Investment Advisors (RIAs) in the United States operate under a fiduciary standard, meaning they are legally obligated to place client interests ahead of their own. Three Arch Wealth Management operates within this regulatory framework. Fiduciary RIAs typically charge fees based on assets under management or flat retainer arrangements, rather than transactional commissions that can create conflicts.

Boutique wealth management practices like Three Arch typically customize portfolios by assessing each household's risk tolerance, time horizon, tax situation, and income needs. The firm likely constructs allocations across publicly traded equities, fixed-income securities, and diversified pooled vehicles such as mutual funds or ETFs. Implementation is generally buy-and-hold oriented, with rebalancing triggered by drift from target allocations rather than tactical market calls.

Independent boutique advisors in the US generally serve mass-affluent and high-net-worth households — a broad segment ranging from accumulated 401(k) rollovers to multi-generational family wealth. Three Arch's likely client base includes professionals, business owners, and retirees seeking integrated financial planning alongside investment management. Minimum account sizes are common in this space, though specific thresholds for Three Arch are not publicly disclosed.

Fee-only registered investment advisors like Three Arch typically charge a percentage of assets under management, with fee schedules that decline at higher asset bands. Some practitioners also offer financial planning on a fixed-fee or subscription retainer basis for clients below investment management minimums. The absence of brokerage commissions and proprietary product incentives aligns advisor compensation with portfolio performance and client retention.

Main Street RIA practices rarely manage proprietary commingled funds. Three Arch's approach is consistent with the open-architecture investment model, where the advisor selects among third-party managers and security-level holdings rather than manufacturing in-house investment products. Fund selection is a service activity, not a product-distribution function.