How We Work

Three ways to work together

Whatever you need — a single answer, a steady partner, or the full picture — there's a way to work with Arcos that fits. Honest, fee-only advice, priced so it's within reach.

From $400 / hr

Hourly

A focused session for a specific question.

Sometimes you don't need an ongoing relationship — you need a clear answer. Bring us the decision you're weighing or the question that's been nagging at you, and we'll work through it together, then send you off with steps you can actually act on. No products, no pressure to sign up for more.

What's included

  • A one-on-one working session, in person or online
  • A clear written summary with specific next steps
  • Straight answers grounded in your real numbers
  • Follow-up time to make sure the plan lands

Who it's for: Do-it-yourself planners who want a second opinion, anyone facing a single big decision, or people who want expert input without a long-term commitment.

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From $500 / mo

Monthly Retainer

Ongoing planning and accountability, month after month.

Financial planning isn't a one-time event — life keeps moving, and your plan should move with it. As a retainer client, you get a dedicated partner in your corner: someone who knows your situation, checks in regularly, and helps you stay on course as things change.

What's included

  • Regular planning check-ins throughout the year
  • A living plan we update as your life changes
  • Unlimited questions between meetings — just reach out
  • Proactive guidance on decisions big and small

Who it's for: People who want steady, ongoing guidance and accountability — especially through a stretch of life with a lot of moving parts.

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Custom

Full Service

Comprehensive planning across every part of your financial life.

When the picture gets complex, you want every piece working together. Full Service brings investments, taxes, retirement, and estate planning under one coordinated plan — managed and reviewed with you year over year, so nothing falls through the cracks.

What's included

  • A complete financial plan covering every major area
  • Investment strategy and ongoing management
  • Tax-aware planning coordinated with your other professionals
  • Retirement and estate planning
  • An annual review to keep everything aligned

Who it's for: Households with more complexity — multiple goals, accounts, or income sources — who want one partner holding the whole picture together.

Pricing is custom — scoped to your situation, and agreed before you commit.

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