We help affluent individuals, families, and business owners
align their investments and financial decisions while minimizing taxes.
You’ve built something valuable. Now it’s time to make sure it translates into lasting personal wealth — without unnecessary taxes, risk, or missed opportunities.
Explore Business Owner Planning →Your income, equity, and benefits create opportunity — but also complexity. We help you make smarter decisions with both.
Explore Executive Planning →You’re balancing a lot — kids, parents, and your own future. We help you make confident decisions without sacrificing what matters most.
Explore Family Planning →When life changes, your finances change too. We help you move forward with clarity, control, and confidence.
Explore Your Next Chapter →Most advisors focus on one piece of your financial life. Investments. Insurance. Or planning. But your biggest decisions don’t happen in isolation.
We bring everything together—so your strategy is coordinated, intentional, and built around you.
Portfolios designed to support your life—not just chase returns.
Thoughtfully structured insurance and risk strategies.
Tax-aware, forward-looking guidance across every stage.
We start by getting a complete picture—your finances, your goals, and what’s keeping you up at night.
We uncover gaps, inefficiencies, and opportunities most people never see.
A coordinated plan that aligns investments, insurance protection, and planning decisions.
We help implement across accounts, policies, and advisors—so nothing gets lost.
As your life evolves, your strategy evolves with it.
Our clients don’t come to us for generic advice. They come to us when decisions feel complex—and the stakes are high.
Start with a guide built for your situation—and get clarity on what to do next.
Download the GuideA short conversation can bring clarity, uncover opportunities, and help you decide your next step—with no pressure.
Schedule a Strategy Conversation“I've been working with Frank for nearly 20 years, and in that time, we've achieved remarkable financial milestones together. From setting up college funds for seven nieces and nephews to making decisions that allowed me to retire with nearly the same earnings as my salary, Frank has been a guiding force every step of the way. He's always gone above and beyond, offering valuable advice on big purchases and helping to correct decisions that could have been better. I couldn't recommend him more highly.”
"As a business owner and local resident, I can say without reservations that Frank has helped me enormously with both my personal and professional lives. I have referred him to some of my closest friends; you can't get a higher recommendation from me.”
Don't be a victim. Learn more here...
Do you know where everything is and what everything is worth? You should.
Managing it all is just another day's work.
Doing well while doing good.
Take care of your credit so it can take care of you.
Will your investments help you reach your financial goals?
Lesson 1 starts here.
See what Arktos can do for you...
An investment in knowledge pays the best interest. -Benjamin Franklin
“I knew early on that retirement and financial planning was too important to be taken on as a hobby alone. Financial planning does not end either, it is an ongoing process that requires attending, adjustment, etc. Frank Virgallito has been our trusted guide on this journey for nearly 20 years, beginning in my 30’s heading into 50’s.
After my wife, Frank is my next call for next steps after good news, and particularly bad news. He is our trusted advisor with the most important financial planning and decisions we deal with in life – life insurance, buying a car, buying a home, retirement, college. When bad days came – lost job, death of a parent – Frank was there for me helping sort out difficult details and priorities when my mind was all over the place. I always receive sound and balanced advice with options that are grounded in best practices and discipline. Like finally establishing a Will & Trust for the household and our daughters.
Frank understands the outside forces, domestic and global, that need to be considered as part of our comprehensive financial planning. I am confident in the customized plans we have put in place and now with some years of cultivating it is exciting to see how Frank’s early advice has come to fruition.
Having Frank a call, text, email or appointment away really helps reduce the stress and anxiety with financial planning. I am grateful for his guidance and support for so many years and look forward to many more!” ~ Ryan K.
