ARCAP Partners LLC

ARCAP Partners provides comprehensive and modular financial planning and discretionary investment management to individual and high-net-worth clients, managing roughly $31.4 million across about 31 client relationships with a small advisory team. The firm offers written financial plans and separately managed investment accounts, and recently expanded planning services to explicitly include charitable giving and real estate tax planning.

The firm constructs portfolios using a strategic asset allocation framework with a risk-based focus, relying heavily on exchange-traded funds while also permitting allocations to alternatives such as REITs, business development companies, cryptocurrency ETFs, alternative mutual funds, Qualified Opportunity Zone Funds, and Delaware Statutory Trusts. For suitable accounts it may employ margin and options strategies, periodic rebalancing, and tax-loss harvesting, and it directs all trading to a single custodian where clients may opt into the custodian’s stock lending program.

Notable distinctions include the principal owner’s licensed insurance activity, through which insurance products may be recommended for which representatives receive commissions, and other outside business interests that the firm discloses as potential conflicts of interest. ARCAP also offers a planning-fee credit tied to subsequent investment management engagement, accepts held-away assets (requiring client-provided valuations), generally directs all brokerage to one custodian without trade aggregation, and does not vote client proxies.