- What is Arcadia?
- How do you manage client investments?
- Is the client involved in the investment process?
- What is the objective of Arcadia's investment process?
- Does Arcadia provide value-added services in addition to investment management?
- What are your fees?
- What is Arcadia's current outlook for the economy and financial markets?
- Where can I obtain current market information?
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What is Arcadia?
- Arcadia is an Investment Advisor registered with the Securities & Exchange Commission under the 1940 act.
- We were incorporated in 1987, privately owned by management and three non-management members from our Board of Directors, and manage in excess of $500 million in assets.
- We manage the above assets on a fully-discretionary basis and we do so in a non-custodial capacity (i.e. the assets are custodialized at a brokerage firm or with a trust institution).
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How do you manage client investments?
Each person is unique, as are their investment needs and/or personal financial circumstances. These unique needs may or may not align with each person’s individual risk tolerance, and the investment of assets that they presently hold. Customarily, we acquire information from you regarding your current financial condition. As well, we engage in conversations which include past, present and future financial needs and/or goals and objectives. Through these actions and discussions we seek to obtain a clearer understanding of your needs, where your comfort-zone lies, and focus in on any possible deviation between expectations/needs, alternative courses of action and risk characteristics.
A portfolio of an appropriate mix of individual stocks and bonds is created as a by-product of the above efforts – whether this be in the capacity of your sole asset manager or as one of your several asset managers. We do not utilize mutual funds to create a diversified portfolio.
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Is the client involved in the investment process?
We maintain discretion over the actual buying and selling of the individual investments; we do so “grounded” in our discussions with you and based on your feedback. As such, you are actually participating in the process of constructing your investment portfolio. With our periodic reviews, you are also providing active feedback to the process. Communication with you is critical! Minimally, we feel we need to get together (face-to-face) at least once per year. In the early stages, it is not uncommon to be in contact more frequently as the relationship develops. Most importantly, our contact should be and is as often as you desire, to gain comfort and satisfaction in the process. As well, more frequent insight may be appropriate based on changing circumstances or other special situations.
We focus our practice on providing ourselves with sufficient available time to meet your needs – as often as you desire. Each of us serve only a limited number of relationships – to insure adequacy of time. Our preference is to be in touch more often than less as your life is dynamic and filled with changes. The changes require attention in thought and possibly in action.
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So, what does this mean for me?
What this means is that we are focused on you!
As part of our Mission and Goals:
- we seek to create superior value over time for you through our counsel as designed to meet your objectives
- we seek these results in an ethical and open environment aimed at developing a long term relationship with you that is profitable and growing for you and us.
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Are there any other advantages for me?
A large number of our relationships are long-term or in the process of becoming such. Depending on the age of the person, length of relationship or specific life circumstances, we have become actively involved in assisting many of our clients in a variety of other activities. A few of these activities include:
- helping to set or review their personal financial situation or budgeting process,
- assisting in the process of acquiring a home, second home or other real estate parcels,
- working actively with your CPA on certain tax issues or assisting in establishing a CPA relationship,
- participating in will and trust matters, associated with estate planning activities; and including the creation of and participation in Private Foundations,
- participating in annual gifting or charitable giving activities.
We attempt to be proactive in bringing topic(s) before you for consideration. After doing so, we participate according to each of our client’s desires. It is important to note that we have not served as the primary professional. Instead, because of our relationship with you, our client, we serve more as a sounding board, a facilitator, your financial professional – to assist you in working with other professionals.
Our professional staff possesses a variety of talents and skills – all at your beckoning, as you need and most importantly, as you desire.
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So, what does this cost?
We believe our fees are among the most affordable options available. They do not include specific commissions paid to brokers for investments bought or sold. Those costs are reflected in the asset cost or proceeds received. As well, our fees do not include any custodial fees that might be associated with housing the assets.
Our standard fee schedule is as follows:
$0 to $1,000,000
$1,000,000 to $3,000,000
$3,000,000 to $50,000,000
Over $50,000,000
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@ 0.7%;
@ 0.6%;
@ 0.5%;
@ 0.3%;
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The minimum account fee is $5,000.
The annual fee is determined at the beginning of the relationship and it is billed quarterly. The fee is recomputed on its annual anniversary date.
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What is Arcadia's current outlook for the economy and financial markets?
Fourth Quarter 2007
Third Quarter 2007
Second Quarter 2007
First Quarter 2007
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Where can I obtain current market information?
Stock Quotes and Financial News:
NASDAQ
Standard and Poor's
Financial Calculators and Glossary of Terms:
MoneyChimp
Current Interest Rates:
Bloomberg.com - Rates and Bonds
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