Arcadia Financial Partners, LLC

Arcadia Financial Partners provides fee-only financial planning and investment advice to individuals and families through fixed-fee Financial Reviews, hourly counseling (including divorce-related guidance), and ongoing retainer engagements. The firm does not take custody of client assets and structures many engagements so that clients implement recommendations themselves or retain outside managers for execution.

The firm’s investment approach emphasizes diversified asset allocation, long-term investing, and the use of no-load index mutual funds, ETFs, and cash equivalents while discouraging market timing; Arcadia develops target allocations and investment policy recommendations when clients request investment advice. For clients who prefer managed solutions, Arcadia commonly serves as a co-advisor to third-party investment managers and, where clients grant authorization, directs co-advised accounts on a discretionary basis.

Distinctive aspects of the firm include a broad mix of fee arrangements—fixed-fee projects, hourly counseling, and retainer agreements that may be stated as a percentage of assets—combined with limited tax-preparation services and tax credentialing support. Arcadia operates as a fee-only fiduciary that does not accept commissions or referral fees, does not execute or aggregate trades itself, and relies on custodians and third-party managers for implementation, which differs from peers that provide direct portfolio management.