Wealth with Intention
You've worked hard, made sacrifices, and been successful in life. Yet, you still worry about your financial future. It's time to make smart decisions about your money.
Wealth with Intention
You've worked hard, made sacrifices, and been successful in life. Yet, you still worry about your financial future. It's time to make smart decisions about your money.
Wealth with Intention
You've worked hard, made sacrifices, and been successful in life. Yet, you still worry about your financial future. It's time to make smart decisions about your money.
As Seen In
As Seen In
As Seen In
Four Common Goals
While our clients come from diverse professional backgrounds, they all want a trusted partner to help them navigate the complexities of personal finance.
While our clients come from diverse professional backgrounds, they all want a trusted partner to help them navigate the complexities of personal finance.
While our clients come from diverse professional backgrounds, they all want a trusted partner to help them navigate the complexities of personal finance.
The Transition from "Saving" to "Spending"
The Transition from "Saving" to "Spending"
They have spent decades building a nest egg and now need a strategy to turn those assets into a reliable "retirement paycheck" that lasts 25 to 30 years.
They have spent decades building a nest egg and now need a strategy to turn those assets into a reliable "retirement paycheck" that lasts 25 to 30 years.
A Desire for Tax Efficiency
A Desire for Tax Efficiency
They want to be proactive, not reactive. We help them implement effective tax-planning strategies so they can keep more of what they’ve spent a lifetime earning.
They want to be proactive, not reactive. We help them implement effective tax-planning strategies so they can keep more of what they’ve spent a lifetime earning.
Seeking a Trusted Partner
Seeking a Trusted Partner
While you only experience retirement once, the team at Ark Royal has served as a trusted partner guiding hundreds of clients through a successful retirement. While everyone’s journey is unique, the challenges you face aren’t unique to us.
While you only experience retirement once, the team at Ark Royal has served as a trusted partner guiding hundreds of clients through a successful retirement. While everyone’s journey is unique, the challenges you face aren’t unique to us.
Freedom and Legacy
Freedom and Legacy
Ultimately, they want to free up their time to focus on the people and passions they love. They find peace of mind knowing they have a trusted partner in our team of experts handling the day-to-day details of their financial assets.
Ultimately, they want to free up their time to focus on the people and passions they love. They find peace of mind knowing they have a trusted partner in our team of experts handling the day-to-day details of their financial assets.
Testimonials
Meet a few of our clients
"Mike makes sure I understand where we were and what we were talking about so that it wasn't totally foreign…There's a real trust factor that we have with Ark Royal."
Martha & Franklin
Testimonials
Meet a few of our clients
"Mike makes sure I understand where we were and what we were talking about so that it wasn't totally foreign…There's a real trust factor that we have with Ark Royal."
Martha & Franklin
Testimonials
Meet a few of our clients
"Mike makes sure I understand where we were and what we were talking about so that it wasn't totally foreign…There's a real trust factor that we have with Ark Royal."
Martha & Franklin
Our Process
An intentional approach to financial planning
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Ongoing Reviews
We typically meet with clients every 6-7 months. We review your financial plan, retirement glidepath, cash flow and investment performance and asset allocation. We also periodically review your charitable gifting, estate plan and insurance coverages.
Tax Planning Session
One of our meetings is dedicated to a current year tax projection. Our analysis can help minimize taxes by taking distributions from the right assets and the right accounts while accounting for other income sources and strategic use of deductions.
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
The above testimonials contain statements and opinions from actual clients of Ark Royal Wealth Management. Individuals were not compensated to discuss their experiences or have them shared on this website. Each client’s experience will differ and highlighted clients’ experiences may not be indicative of the experiences of other current or future clients. All investing involves risks, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
The above testimonials contain statements and opinions from actual clients of Ark Royal Wealth Management. Individuals were not compensated to discuss their experiences or have them shared on this website. Each client’s experience will differ and highlighted clients’ experiences may not be indicative of the experiences of other current or future clients. All investing involves risks, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
"Ark Royal for very many years have provided invariably wise and productive financial advice for our entire family. You know us quite well, you know our issues and you always provide insight and the way forward that we need."
Ed & Nancy
"I’ve been working with Mike Palmer over 25 years. My husband had just died, and I needed a financial advisor that I could trust. I sure did find the right person! As the founder of Ark Royal, Mike brought the same ethics into that organization that he showed me early on."
Sally
"We are grateful to know that your team is thinking strategically about all the various aspects of our financial picture and are just as invested in our success as we are."
Ed
"Working with Ark Royal has been truly transformative. They go beyond focusing on just the number in our portfolio, and help us think through how we use our assets to live the life we want now while planning for the future. They've given us the confidence to make major decisions, including leaving a steady job to start a business. We've referred them to family members as well, and they’ve benefited just as much from their thoughtful guidance."
Matt & Katie
Since we started working with Ark Royal in 2018, we've frequently recommended them to our friends. What makes them so easy to recommend is their unwavering commitment to their fiduciary duty - they always put their clients' interests first; their financial acumen and willingness to dig into the details of employee benefit plans or other complex matters; their ability to explain matters and answer questions at whatever level of sophistication you need; their focus on really listening since they understand that each client's objectives and circumstances are unique; and their responsiveness, and their warm personalities and genuine interest in their clients (you feel like family).
Rick
The above testimonials contain statements and opinions from actual clients of Ark Royal Wealth Management. Individuals were not compensated to discuss their experiences or have them shared on this website. Each client’s experience will differ and highlighted clients’ experiences may not be indicative of the experiences of other current or future clients. All investing involves risks, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
How do I know if you're right for me?
How do I know if you're not right for me?
Do you charge for an introductory call?
Do I need to prepare for the introductory call?
Let's See If We're a Fit
Our fee starts at 1% and falls to .4% for assets over $5 million. Our annual minimum fee is $10,000 or $5,000 for clients within the Young Professional offering. We do not offer an hourly fee or project fee financial planning.
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© 2026 Ark Royal Wealth
Ark Royal Wealth Management LLC (“ARWM”) is registered as an investment adviser with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by ARWM in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of ARWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
Join newsletter
© 2026 Ark Royal Wealth
Ark Royal Wealth Management LLC (“ARWM”) is registered as an investment adviser with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by ARWM in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of ARWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
Join newsletter
© 2026 Ark Royal Wealth
Ark Royal Wealth Management LLC (“ARWM”) is registered as an investment adviser with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by ARWM in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of ARWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.