ARPP

ARPP serves individual clients—many of whom are described as high‑net‑worth—as well as businesses and charitable organizations. The firm provides portfolio management and comprehensive financial planning services, including tax, retirement, estate and insurance planning, and it also offers paid private and workplace seminars on financial topics.

As a boutique independent RIA, ARPP tailors advice through individual consultations and applies fundamental analysis when building portfolios, typically using general securities, mutual funds/ETFs, government securities and options. For exposure to alternative investments, the firm helps clients select and monitor third‑party money managers and reviews those relationships on an ongoing basis; client accounts are managed on a non‑discretionary basis and ARPP reports that it places primary investing with outside managers rather than holding directly managed assets.

What distinguishes ARPP from many peers is that the firm’s principal is a licensed insurance agent and the firm does earn insurance commissions and sells other insurance products, while stating it does not accept commissions for securities sales. ARPP also discloses that it may recommend outside investment managers and split fees as a referral arrangement, and that it charges for educational seminars that may include outside speakers such as CPAs and tax attorneys.