Finarc Investments, Inc.

FinArc Investments, Inc. serves individual investors — including high-net-worth and non‑HNW clients — as well as pension and other institutional clients, offering discretionary and non‑discretionary money management, ERISA‑focused pension consulting, financial planning, and general consulting. The firm reports approximately $187.6 million in discretionary assets across about 93 client accounts and operates with a small advisory team.

The firm combines fundamental and technical analysis and implements both long‑ and short‑term strategies across equities, fixed income, mutual funds, ETFs, options, and margin positions, tailoring allocations to each client’s objectives and risk tolerance. Portfolios are actively supervised with ongoing rebalancing, quarterly reporting, and an offer to meet semi‑annually, and the firm may serve as a fiduciary to plans under ERISA depending on the engagement.

Notable features that distinguish FinArc from many similarly sized advisers include its provision of ERISA pension consulting with the potential to act as a discretionary 3(38) fiduciary, and its use of standing letters of authorization to transfer client assets (a limited‑custody arrangement addressed under the SEC no‑action letter). The firm also routinely requires custody and transaction execution through Schwab’s institutional platform — with access to Schwab’s research and support services that can create potential conflicts of interest — and maintains policies allowing complimentary or waived financial planning for certain money‑management clients and pre‑clearance and trading restrictions to mitigate advisor conflicts when employing options and margin strategies.