Arroyo Investment Group, LLC

Arroyo Investment Group is a fee-only investment management and financial planning firm that reports managing approximately $319.5 million in client assets. The firm provides ongoing asset management and financial planning to individuals as well as institutional clients listed in its brochure — including pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and small businesses — and notes a negotiable account minimum (stated at $500,000).

The firm describes a discretionary, model-driven approach that uses an in‑house proprietary screening process to populate 15 model portfolios, primarily with no‑load mutual funds monitored for style consistency; portfolios are typically rebalanced twice a year and reviewed quarterly with written performance reporting. Arroyo accepts limited powers of attorney for trading, recommends qualified custodians (e.g., Charles Schwab) for execution and custody, and provides clients with periodic performance reports and account statements to compare against custodian records.

What is notable in the brochure is the firm’s network of affiliated entities and referral practices: it discloses an affiliated broker‑dealer, an affiliated registered investment adviser, and a related marketing firm, and it separately discloses that the firm compensates registered representatives for client referrals via testimonials and endorsements. The brochure also highlights practices that are less common among peers — including routine performance reporting to clients and the use of third‑party arrangements for brokerage services and standing letters of authorization for transfers — and describes ongoing documentation and oversight of trading and custody arrangements.