Arroyo Investment Group, LLC

Arroyo Investment Group, LLC, established in 1995, specializes in fee-only financial planning and investment management for individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm does not sell commissioned products and primarily uses no-load mutual funds for asset management. Clients receive personalized financial planning services, including cash flow management, investment management, education funding, and retirement planning. The firm operates on a fee-based structure, with fees based on a percentage of assets under management. The minimum account size is $200,000 but can be negotiable. Investment advice is provided on a discretionary basis, with clients having the option to impose restrictions on investments. The firm's investment strategy involves in-house proprietary analysis and monitoring of funds in model portfolios. Clients receive quarterly performance reports and have the option to review and approve trades. The firm's principal, John P Odell, holds various licenses and has a background in finance. Arroyo Investment Group, LLC maintains a Business Continuity Plan and Information Security Program to safeguard client information and ensure business continuity in case of disasters. John Odell oversees the firm's compliance and supervision practices. The firm does not have any disciplinary history or receive additional compensation beyond advisory fees.