Scott Arnold
- CFP®
Impactfolio
Denver, CO
Contact Scott
Scott can help you with
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Investment Analysis
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Retirement Planning
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Employee Benefits
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Tax Optimization
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Insurance Planning
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College Planning
Expertise
- Investment Analysis and Planning
- SRI or ERI
- Portfolio Management
- Retirement Planning
- Benefits and Compensation Planning for Employees
- Equity Stock and Options Planning for Employees
- Tax Optimization
- Insurance and Risk Management
- Estate and Legacy Planning
- Charitable Giving
- Cash Flow Analysis
- Debt Management
- Saving and Investing for College
- Life Event Planning
- Divorce Planning
- Real Estate Planning
- Business Finance Planning
Pricing
The price for our services is one easy-to-understand, annual flat retainer fee. No hidden fees. This fee includes our holistic financial planning and investment management services.
For clients with less than $3,000,000 in combined assets under management, our annual flat retainer fee is $7,500 per year.
For clients in excess of $3,000,000 in combined assets under management, our annual flat retainer fee is based on complexity and needs of the client.
We are in this business to be a financial force of good for our clients. We believe in keeping our overhead business expenses low so that we can offer our services at a justifiable cost. No high-rise offices, no fancy parties, no expensive advertising. Our clients tend to be hard-working individuals who appreciate our business model, believe in impact investing, and have more than $750,000 of investable assets. We have designed our firm to cater to this niche and created a fee structure that reflects our value. In order to deliver our high-service model, we will cap our client relationships for the entire firm. We believe this is the only way to provide quality over quantity.
As fiduciaries, we are constantly seeking ways to provide valuable services to our clients at a reasonable cost and reduce conflicts of interest. We believe that avoiding commission-based advice is a step in the right direction. However, we still believe that a conflict of interest exists in the 1% of assets under management fee structure. Under this model, an advisor is still incentivized to convince a client to transfer as many assets as possible under his/her management in order to increase the fees collected. We do not believe a fee should be based on the arbitrary value of a client’s investment portfolio. We know from our collective 65+ years of experience that there is not a significant difference in the work required to serve a client with $750,000 in assets vs $3,000,000 in assets. Why should one client pay tens of thousands of dollars more each year in fees?
The difference in costs and lost portfolio growth over time is shocking when you compare our fee structure with the traditional 1% of assets under management.
About
Due to his curiosity for solving financial puzzles coupled with his desire to help others, Scott joined the financial services industry in 1998. His passion to help others has grown stronger each year as a result of guiding clients through difficult and rewarding lifetime experiences.
Scott is the “G” in the ESG (Environmental, Social, & Governance) investing principles. He is a strong advocate for investing in ethical companies that take all stakeholders (clients, employees, the environment, local community and shareholders) into account with their business decisions. Scott’s passion for governance stems from growing up in Parkersburg, West Virginia. Home of one of the most brazen, deadly corporate gambits in U.S. history. DuPont agreed to settle a class-action lawsuit in 2004 for upwards of 374 million. In 2005 the company agreed to pay the EPA $16.5 million to settle charges against it. The lawsuits alleged that DuPont had concealed evidence that C8 (a byproduct of Teflon) was harmful to human health and had failed to disclose the contamination of public drinking water for more than two decades.
Scott earned Bachelor of Science degrees in both Finance and Marketing from West Virginia University. Additionally, he earned the CERTIFIED FINANCIAL PLANNER™ designation in 2006 and has been a member of the Financial Planning Association since 2004. He is also a member of the XY Planning Network, NAPFA and the Fee-Only Network.
He lives in Centennial, CO with his wife Janet, their two sons and Emma (the doggie). Scott loves to spend his free time with family and enjoys getting outdoors hiking, camping and snowboarding. He believes in giving back to the community. He has been a Den Leader with Cub Scout Pack 559 for years and will be the Cubmaster in 2019/2020. He also participates in various volunteer opportunities through the Financial Planning Association, CO IMPACT Days, Guys Who Give and the Conscious Capitalism of CO Chapter.