What Three Arch Wealth Management does

Three Arch Wealth Management LLC is a private, fee-only, fiduciary Registered Investment Advisor headquartered at 300 Spectrum Center Drive #1030, Irvine, California, founded and led by CFP-certified advisors Becky Vasquez and Tyler Vasquez. The firm serves high-net-worth individuals and families with $500,000+ in investable assets, as well as a smaller set of institutions such as endowments, foundations, and employee benefit plans, across primary customer segments including retirees/pre-retirees, high-income professionals (doctors, executives, tech employees, lawyers, pilots, engineers), founders and business owners, women in life transition, and institutions.

The firm's core offering is structured around its proprietary "Three Arch Approach" methodology, which unifies comprehensive financial planning (Plan Wisely), evidence-based investment management using globally diversified factor-based portfolios (Invest Strategically), and retirement and legacy planning (Build Prosperity) into a single five-step client engagement: Discovery Conversation, Financial Blueprint (a living financial planning document), Portfolio Construction, Launch Phase, and Ongoing Partnership. Investment portfolios use Nobel-Prize-winning research, factor-based strategies (small cap, value, profitability), tax-loss harvesting, asset location optimization, and systematic rebalancing. Portfolio construction relies on partnerships with Dimensional Fund Advisors (DFA) and Avantis Investors, while custody and execution are delivered through Charles Schwab and Fidelity, accessed via the firm's MyAdvisorLink client portal.

The business model is a subscription-style, recurring asset-under-management fee structure with publicly disclosed tiered pricing that steps down from 0.90% annually on the first $1M to 0.20% on assets above $50M, positioning the firm below industry median blended fees (e.g., 0.72% blended on a $5M portfolio versus an industry median ~0.85%). No separate billing is charged for financial planning, tax strategy, or additional meetings — all are bundled into the advisory fee. Go-to-market is sales-led and high-touch, combining educational content (blog, video), multi-channel social media, and a Calendly-driven direct consultation funnel that converts prospects into clients via a complimentary initial conversation. The firm reports over $775M in AUM, 275+ clients, and 99% year-over-year retention as of June 2026.

Name

Three Arch Wealth Management

Legal name

Three Arch Wealth Management LLC

Website

https://threearchwealth.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Three Arch Wealth Management is a fee-only, fiduciary boutique Registered Investment Advisor in Irvine, California, serving high-net-worth individuals, families, and select institutions with $500k+ in investable assets through integrated financial planning, evidence-based investment management, and retirement/legacy planning.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Specialized/Niche-Vertical RIAs (e.g., Medical, Tech, Executives, Athletes) (FSAAACAL), Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Wealth management services
• Financial planning
• Investment management
• Retirement planning
• Estate planning

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Investment Advisory Fees (AUM-based): Asset-based tiered fee structure where clients pay an annual percentage of assets under management. Fee decreases as portfolio value increases, ranging from 0.90% on first $1M to 0.20% on assets above $50M. Example: $5M portfolio pays approximately 0.72% blended fee. No separate billing for financial planning, tax strategy, or additional meetings - all included in advisory fee. Custodian transaction fees and fund expense ratios (0.03%-0.15% for index funds) are separate and not paid to Three Arch.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Three Arch Wealth Management is a fee-only fiduciary Registered Investment Advisor that delivers integrated wealth management for high-net-worth individuals, families, and select institutions with $500,000+ in investable assets. Services bundle comprehensive financial planning, evidence-based investment management using globally diversified factor-based portfolios, tax strategy (including tax-loss harvesting and asset location), retirement income planning, and estate/legacy coordination. The firm operates through a five-step onboarding and ongoing partnership process anchored by a custom Financial Blueprint document.

Product overview

Three Arch Wealth Management offers a unified, boutique wealth management service built around The Three Arch Approach — an integrated methodology with three pillars: Plan Wisely (comprehensive financial planning, tax strategy, Social Security optimization, insurance review, and Medicare counseling), Invest Strategically (custom portfolio construction using globally diversified, evidence-based strategies with tax-loss harvesting and factor-based investing), and Build Prosperity (retirement income planning, estate coordination, charitable giving, and heir education). The firm delivers these services through a structured five-step process: Discovery Conversation, Financial Blueprint, Portfolio Construction, Financial Planning implementation, and Ongoing Partnership. The firm also provides a free 7-step Retirement Checklist as a lead magnet. All services are accessible through a client portal integrating with Charles Schwab, Fidelity, and MyAdvisorLink platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• The Three Arch Approach The firm's flagship integrated wealth management methodology for high-net-worth families and institutions, delivered through a five-step process: Discovery Conversation, Financial Blueprint, Portfolio Construction, Financial Planning, and Ongoing Partnership.
• Plan Wisely (Arch I) — Comprehensive Financial Planning Comprehensive financial planning service covering goal setting, tax strategy, Social Security optimization, retirement account guidance, Roth conversions, insurance solutions, withdrawal planning, college savings, and Medicare counseling for high-net-worth clients.
• Invest Strategically (Arch II) — Investment Management Custom investment management using globally diversified, evidence-based strategies including portfolio construction, global asset allocation, risk management, tax-efficient asset location, behavioral coaching, tax-loss harvesting, rebalancing, and factor-based investing.
• Build Prosperity (Arch III) — Retirement & Legacy Planning

Quantifiable outcome

• Over $775 million in assets under management
• +5 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and preferred.

• Charles SchwabcoreTechnology or IntegrationCharles Schwab serves as a primary custodian for client investment accounts. Clients access Charles Schwab through the Three Arch client portal for account management, trading, and reporting.
• Fidelity InvestmentscoreTechnology or IntegrationFidelity Investments serves as a custodian for client investment accounts. Clients access Fidelity through the Three Arch client portal for account management, trading, and reporting.
• Dimensional Fund Advisors (DFA)preferredTechnology or IntegrationDFA is referenced as a recommended resource for evidence-based investing strategies. Dimensional Fund Advisors provides research-backed investment funds used in client portfolios.
• Avantis InvestorspreferredTechnology or IntegrationAvantis Investors is referenced as a recommended investment platform for cost-effective, systematic factor-based investing strategies in client portfolios.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Halbert Hargrove: Long-tenured California-based fee-only wealth management firm serving HNW families and institutions with comprehensive planning and evidence-based investing. Comparable in size, geography, and integrated service model.
• Carson Group (Carson Wealth): RIA support platform serving fee-only wealth management firms with financial planning, investment management, and coaching. Comparable in fee-only RIA model and HNW client focus, though operating as a larger affiliated network.
• Mercer Advisors: California-headquartered national RIA offering fee-only comprehensive wealth management to HNW individuals and families. Overlaps with Three Arch in fiduciary RIA positioning, retirement planning focus, and HNW client segment.
• Buckingham Strategic Wealth: Large fee-only RIA network with academic-research-driven, DFA-aligned investment philosophy and integrated financial planning. Highly comparable in evidence-based investing approach and HNW target market.
• Pure Financial Advisors: California-based fee-only RIA serving HNW individuals with integrated financial planning and investment management using DFA and factor-based strategies. Directly comparable in business model, fee structure, target client, and product partners.

Broad incumbents

• Fisher Investments: Major independent RIA managing hundreds of billions in assets primarily for HNW individuals and institutions. Overlaps with Three Arch on discretionary investment management and HNW targeting, though with global institutional-style strategies.
• Mariner Wealth Advisors: Large national RIA consolidator offering fee-only wealth management, financial planning, and tax services to HNW individuals. Similar integrated model and target client base but with national footprint and much larger AUM.
• Creative Planning: One of the largest independent fee-only RIAs in the US, offering comprehensive wealth management to HNW clients nationwide. Overlaps in service breadth, fee-only fiduciary model, and evidence-based investing, but at substantially greater scale.
• Edelman Financial Engines: Large national RIA combining financial planning with portfolio management, including factor-based and passive strategies, serving HNW and mass-affluent clients. Comparable service architecture but vastly larger scale and broader client acquisition channels.

Emerging players

• Facet Wealth: Tech-enabled fee-only RIA combining digital planning tools with remote CFP-led advice for HNW clients. Targets a similar client profile with a more scalable virtual delivery model, representing the emerging hybrid-advisor competitive threat to boutique RIAs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/three-arch-wealth-management

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Three Arch Wealth Management