# Armbruster Capital

> Evidence‑based Wealth Management Built Around Your Best Interests\. Our commitment is simple: We are investing your money the way we invest our own\.

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## Pages
- [Individual Wealth Management Solutions](https://www.armbrustercapital.com/services/individual-wealth-management-solutions/)
- [Home](https://www.armbrustercapital.com/)
- [About Us](https://www.armbrustercapital.com/about-us/): We're investment advisors first business owners second
- [Compliance and Regulatory](https://www.armbrustercapital.com/compliance-and-regulatory/): Regulatory documentation and compliance disclosures
- [Our Philosophy](https://www.armbrustercapital.com/about-us/our-philosophy/)

## ACM Insights
- [How Much Does a Financial Advisor Cost?](https://www.armbrustercapital.com/acm-insights/how-much-does-a-financial-advisor-cost/): Financial advisor fees range from 0\.25% to 2%\+ depending on the model\. We break down AUM fees, commissions, flat fees, and what "fee\-only" really means\. 
- [The Good, the Bad, and the Ugly of 401\(k\) Auto\- Enrollment](https://www.armbrustercapital.com/acm-insights/401k-auto-enrollment-pros-cons/)
- [Old \& In the Way](https://www.armbrustercapital.com/acm-insights/old-in-the-way/)
- [Trump Accounts: Should You Fund the New Internal Revenue Code Section 530A Accounts?](https://www.armbrustercapital.com/acm-insights/trump-accounts-should-you-fund-the-new-internal-revenue-code-section-530a-accounts/)
- [Stock Market Deja Vu](https://www.armbrustercapital.com/acm-insights/stock-market-deja-vu/)

## Glossary
- [Fiduciary](https://www.armbrustercapital.com/glossary/fiduciary/)
- [ERISA](https://www.armbrustercapital.com/glossary/erisa/)
- [EBSA](https://www.armbrustercapital.com/glossary/ebsa/)

## Guides
- [Thanks for Your Interest in Our Free Guide\!](https://www.armbrustercapital.com/guide/next-market-downturn/thank-you/)
- [What Should You Do When the Next Market Downturn Comes?](https://www.armbrustercapital.com/guide/next-market-downturn/): A practical guide to staying disciplined, avoiding costly mistakes, and turning volatility into opportunity\.
- [How to Navigate Market Volatility and Protect Your Savings](https://www.armbrustercapital.com/guide/how-to-navigate-market-volatility-and-protect-your-savings/): A step\-by\-step guide to building a more secure portfolio and mitigating risk\.
- [Find the Right Investment Advisor for Your Nonprofit](https://www.armbrustercapital.com/guide/find-the-right-investment-advisor-for-your-nonprofit/): A complete guide from starting the process to what to expect after you hire an advisor\.

- [Thank You](https://www.armbrustercapital.com/guide/how-to-navigate-market-volatility-and-protect-your-savings/thank-you/)

## Locations
- [Philadelphia, PA](https://www.armbrustercapital.com/location/philadelphia-pa-2/)
- [Cincinnati, OH](https://www.armbrustercapital.com/location/cincinnati-oh/)
- [Columbus, OH](https://www.armbrustercapital.com/location/columbus-oh/)
- [Erie, PA](https://www.armbrustercapital.com/location/erie-pa/)
- [Hartford, CT](https://www.armbrustercapital.com/location/hartford-ct/)

## News
- [Armbruster Capital Management Recognized in FA Magazine's America’s Top RIAs for 2026](https://www.armbrustercapital.com/news/armbruster-capital-management-recognized-in-fa-magazines-americas-top-rias-for-2026/)
- [Compliance Corner](https://www.armbrustercapital.com/news/compliance-corner/): We are in a highly regulated business, which offers our clients important protections\. There are certain disclosures that we are required to make regularly regarding our policies and procedures\.
- [Supporting a Sweet Tradition: EPI's 40th Annual Chocolate Ball](https://www.armbrustercapital.com/news/supporting-a-sweet-tradition-epis-40th-annual-chocolate-ball/): Armbruster Capital Management is proud to support EPI and the Rochester community through long‑standing leadership and philanthropy\. CEO Mark Armbruster’s decades‑long involvement, shaped in part by his family’s personal connection to epilepsy, continues to strengthen vital services across the region\. His work, including support for the 40th Annual Chocolate Ball, reflects the firm’s deep commitment to empowering local families\.
- [Tarryn Larson Rozen to Speak at National Compliance Conference](https://www.armbrustercapital.com/news/tarryn-larson-rozen-to-speak-at-national-compliance-conference/): Tarryn Larson Rozen from Armbruster Capital Management will speak at the 2026 IAA Compliance Conference on ethics and compliance standards\.
- [Armbruster Capital Management Achieves Significant Growth in 2024](https://www.armbrustercapital.com/news/armbruster-capital-management-achieves-significant-growth-in-2024/)

## Team Members
- [Owen Pettee](https://www.armbrustercapital.com/team/owen-pettee/)
- [Rachel Freitas](https://www.armbrustercapital.com/team/rachel-freitas/)
- [Maggie Broomfield](https://www.armbrustercapital.com/team/maggie-broomfield/)
- [Tarryn Larson Rozen](https://www.armbrustercapital.com/team/tarryn-larson-rozen/)
- [Mark Armbruster, CFA](https://www.armbrustercapital.com/team/mark-armbruster-cfa/)

## Videos
- [Mastering Charitable Giving Strategies: Retirement Accounts \& Tax Advantages](https://www.armbrustercapital.com/video/mastering-charitable-giving-strategies-retirement-accounts-tax-advantages-2025-guide/): Efficient charitable giving options like Qualified Charitable Distributions \(QCDs\), Donor Advised Funds \(DAFs\), and gifting appreciated assets or retirement accounts can maximize tax benefits and amplify the impact of donations\.
- [Avoid RMD Penalties\! Required Minimum Distributions Explained \(2025 Guide\)](https://www.armbrustercapital.com/video/required-minimum-distributions-explained-2025-guide/): Required Minimum Distributions \(RMDs\) are mandatory withdrawals from tax\-deferred retirement accounts, and failing to take them can result in penalties\. This video explains how RMDs are calculated, why they exist, and how smart planning can help retirees maximize their savings\.
- [What is a QCD? Qualified Charitable Distributions Explained \(2025 Guide\)](https://www.armbrustercapital.com/video/what-is-a-qcd-qualified-charitable-distributions-explained-2025-guide/): Qualified Charitable Distributions \(QCDs\) allow retirees to donate directly from their IRA while lowering taxable income\. This video explains how QCDs work, who qualifies, and the tax advantages they offer\.
- [Stock Market Speculation and High Risk Strategies](https://www.armbrustercapital.com/video/stock-market-speculation-and-high-risk-strategies/)
- [The stock market ahead: Inflation, Secular Stagnation, or Stagflation?](https://www.armbrustercapital.com/video/stock-market-ahead-inflation-secular-stagnation-or-stagflation/)

## Categories
- [Articles](https://www.armbrustercapital.com/category/articles/)
- [ACM Insights](https://www.armbrustercapital.com/category/acm-insights/)
- [Video](https://www.armbrustercapital.com/category/video/)
- [Featured video](https://www.armbrustercapital.com/category/featured-video/)
- [Featured article](https://www.armbrustercapital.com/category/featured-article/)

## Tags
- [Investing](https://www.armbrustercapital.com/tag/investing/)
- [Market Commentary](https://www.armbrustercapital.com/tag/market-commentary/)
- [Alternative Investments](https://www.armbrustercapital.com/tag/alternative-investments/)
- [Factor Investing](https://www.armbrustercapital.com/tag/factor-investing/)
- [Taxes](https://www.armbrustercapital.com/tag/taxes/)

## Service Areas
- [Business 401K \- 403B](https://www.armbrustercapital.com/service-area/business-401k-403b/)
- [Individual Wealth Management](https://www.armbrustercapital.com/service-area/individual-wealth-management/)
- [Institutional Investment Services](https://www.armbrustercapital.com/service-area/institutional-investment-services/)

## Optional
- [Sitemap index](https://www.armbrustercapital.com/sitemap_index.xml)