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Carl J. Arrell

CFA®, CFP®

Carl is a Minnesota native and current resident of the Tangletown Neighborhood of Southwest Minneapolis, where he lives with his Wife (Andrea), Daughter (Ramona), and family dog (Tito). Carl serves as the President of the Tangletown Neighborhood Association Board, and regularly volunteers with local non-profit organizations in the Twin Cities area. Carl keeps active by regularly running, biking, cross-fitting, traveling, and enjoying quality time with friends and family.

Helping successful individuals, business owners, and their companies meet their unique financial objectives through efficient, effective financial planning and investment management is Carl’s professional mission and fiduciary duty as an independent wealth manager and founder of the 401 Group at Focus Financial. Carl has over 15 years of experience providing investment advisory and private wealth management services to his clients. In addition to holding a degree from the University of Minnesota – Carlson School of Management with a concentration in Finance and Political Science, Carl has also met the rigorous education, examination, experience, background and ethics requirements necessary to earn the highly regarded Chartered Financial Analyst® and CERTIFIED FINANCIAL PLANNER™ Designations. Carl prides himself in providing thoughtfully informed, unbiased, and straightforward financial planning and investment advice that ensures his clients’ most meaningful goals are attained.

Services & Experiences

The 401 Group’s Approach & Process can be Defined through 4 Distinct Phases of our Wealth Management Relationship:

Discovery

The 401 Group initial Discovery Meeting and ongoing wealth management relationship is designed to seek an understanding of your personal values and the financial experience that has helped shape what you believe money should represent in your life. We work closely with you to develop a purposeful and deliberate financial plan that can adapt to the unexpected, while also balancing your current lifestyle choices with your most important future goals. In the financial discovery and organization process, we will address the following essential issues:

  • Define and prioritize your specific financial planning goals and objectives
  • Assess your financial ability and emotional tolerance for investment risk
  • Learn about your personal financial values and how these affect your view of money
  • Explain our holistic approach to wealth management, financial planning, and portfolio management
  • Determine if, and how, we may best work together to achieve your personal, family, or organizational goals
  • Organize your comprehensive financial situation utilizing the latest financial tools and technology, which provide a single point of secure access to your total financial picture.
  • Provide a framework to make informed, unbiased financial decisions based on your financial values

Analysis

With an in-depth understanding of your current financial position, financial values, risk tolerance, and preferences; our team of CERTIFIED FINANCIAL PLANNER Professionals and Chartered Financial Analysts will conduct your comprehensive financial analysis utilizing the most sophisticated, client focused wealth management software available. In addition to the 401 Group’s strong human intellectual capital, our analytical resources extend to advanced investment planning technology tools as well as institutional quality investment research subscriptions, along with access to a vast network of tax and legal professionals specializing in a wide array of applicable business, estate, and tax planning issues. We will address each of the following key financial areas within your planning analysis:

  • Cash Flow, Balance Sheet, and Income Statement Production & Analysis
  • Risk Management, Protection, and Insurance Analysis
  • Employee Benefit Plan Analysis
  • Income Tax Planning Analysis
  • Investment Portfolio Analysis
  • Retirement Planning Analysis
  • Legacy & Estate Planning Analysis

Implementation

The 401 Group’s customized financial planning analysis will provide you and your Advisor with the information necessary to make unbiased fact-based decisions about your financial future. After a discussion taking into consideration your financial values and personal preferences around the viable approaches available to meeting your goals, you will feel confidently prepared to implement the recommended solutions prescribed to meet your goals. Our professional expertise has helped many families and organizations implement advanced planning strategies to meet their objectives in a more effective manner. Frequently addressed issues include some of the following:

  • Risk-Based Asset Allocation Optimization & Portfolio Management
  • Retirement Income Strategies
  • Tax-Preferred Savings Strategies
  • Roth Conversion Analysis
  • Business Succession Planning
  • Executive Benefit Decisions (ESOPs, Profit Sharing, etc.)
  • Managing Concentrated Stock Postions (Capital Gain Minimization)
  • Estate Planning Utilizing Trusts (revocable & irrevocable)
  • Insurance Consulting (Coverage Needs, Permanent vs. Term Analysis, etc.)
  • Retirement Plan Choices for Businesses, Non-Profits, and the Self-Employed
  • Income & Estate Tax Minimization
  • Charitable Gifting Strategies

Maintenance & Adaptation

Once we begin to implement your financial plan, your ongoing wealth management relationship with the 401 Group has just begun. Utilizing advanced wealth management technology and a concierge client service model, The 401 Group continually strives to ensure our clients are informed and prepared for legal, tax, financial, and economic changes that could affect their holistic plan, while also ensuring you feel as though you have access to your CFP® and/or CFA Professional whether through your regularly scheduled (bi)-annual financial planning meetings or an impromptu tax question over the phone. 401 Group’s Personal Financial Management Portal is always available to help organize and provide insight around your total financial picture. A preview of some of the ongoing member service features are provided below:

  • Ongoing Quarterly, Bi-Annual, or Annual In-Office or Virtual (web-based) Planning Review Meetings are Available Based on Your Preference
  • Monthly Newletters & Economic Commentary Addressing Timely Issues and Potential Financial Strategies
  • Intellectual Capital Provided Through our 401 Group Team of CFP & CFA Professionals on our Blog & Social Media
  • Updates from our CFP® & CFA Society of MN Member Education Events
  • Exclusive Invites to our Client Appreciation, Financial Education & Philanthropic Events Throughout the Year
  • On-going Access to your Personal Financial Management Portal

Address

401 North 3rd Street
Suite 210
Minneapolis MN 55401