Carpe Diem Financial Life Planning
Helping you seize the day and secure your future Get Your Free ConsultationWatch our introductory video
Mission
Sit beside a diversely experienced Certified Financial Planner who gives holistic financial advice as a fiduciary pledged to advise with your best interests first. As the top Santa Cruz Mountains financial planning firm, I work strictly on an hourly or retainer fee basis to incentivize objective and holistic advice. By refusing any commisions or compensation related to your investments, you can be assured that I am as focused on your life goals, business, tax, and estate planning as I am on how to most wisely invest your money. As a concierge financial advisor, we work together to create a comprehensive financial strategy tailored to your needs and highest aspirations. No more wait times or getting shuffled around by a corporate firm. At Carpe Diem Financial, you are my number one priority.
I serve people in Santa Cruz County and the Santa Cruz Mountains, including Ben Lomond, Boulder Creek, Scotts Valley, Felton, Santa Cruz, and more. Let me help you seize the day with sound financial architecture.
For wisdom with compassion,
Robert C. Arne, MA, EA, CFP, MS in Advanced Financial Planning
CFP #208897
Enrolled Agent #00102250
Financial Accounting
Finding your values with in-depth financial accounting, coaching, and, yes, therapy.
Wisely Diversified Investing
Staying the course of wisdom with superior market strategies and honoring your principles.
Solid Financial Architecture
Calculating optimal returns for your future based on a sound financial foundation.
Financial Planning Articles
Commodities Investing in Uncertain Times
Published in the Press Banner, Jun. 6, 2025"Gold is the money of kings, silver is the money of gentlemen, barter is the money of peasants – but debt is the money of slaves." — Ron PaulSpeculation or Responsible Investing? Responsible investors don’t buy commodities...
Avoiding Appalling Fees For Sound Financial Advice
A Brief History In the 1990s, I entered financial planning with yahoo recruiters from Primerica Financial Services who shouted “Buy Term and Invest the Difference” because whole and universal life insurers drained savings from middle-class Americans. Still appalled...
Financial Freedom Evolves with Professional Advice
“The most radical thing that could happen is we’ll become a nation of financial literates. It’s within the realm of possibility.” — Don Phillips Phillips’ dream motivates all my writing and professional career; but is it the end of history? Financial life planning...
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“Carpe diem. Seize the day, boys. Make your lives extraordinary!” – Robin Williams in The Dead Poets’ Society