Business Details
17 Years
experience
Your Trusted Partner for Comprehensive Wealth Management
Armbruster Capital is a registered investment advisory firm founded in 2009, dedicated to providing evidence-based financial solutions for individuals, institutions, and corporations. Our team of Chartered Financial Analysts (CFAs) and Certified Public Accountants (CPAs) specializes in strategic asset allocation, tax-efficient investing, and factor-based portfolio management. We prioritize fiduciary responsibility, ensuring all recommendations align with clients' best interests while leveraging academic research to guide investment decisions. Our low-cost, fee-only model eliminates conflicts of interest, and we utilize custodians like Fidelity and Charles Schwab to safeguard client assets.With over $1 billion in assets under management, we focus on balancing risk and return through diversified portfolios tailored to each client's unique goals. Our approach emphasizes transparency, with no hidden fees or commissions, and we provide ongoing support for retirement planning, estate strategies, and institutional endowment management. We serve clients nationwide from our Pittsford, NY headquarters, combining technical expertise with personalized service to help clients navigate market complexities and achieve long-term financial security.
Services
Wealth Management
Investment Advisory
Retirement Planning
Institutional Services
Tax-Efficient Strategies
Details
- Year established: 2009
Highlights and features
- We are SEC-registered with over $1 billion in assets under management.
- Our team includes CFAs and CPAs with expertise in tax-efficient investing.
- We operate a zero-commission, fee-only model to eliminate conflicts of interest.
- Client assets are held with trusted custodians like Fidelity and Charles Schwab.
- We apply academic research from institutions like the University of Chicago and Yale.
Associations and certifications
- SEC Registered Investment Advisor
Services
Individual Wealth Management
Customized financial planning and portfolio management tailored to individual goals, including retirement strategies, estate planning, and tax optimization. We focus on long-term growth through diversified, factor-based investments while minimizing fees and tax liabilities. Our approach combines academic research with personalized service to help clients achieve financial security.
Institutional Investment Services
Strategic asset allocation for foundations and endowments, balancing current cash flow needs with future growth objectives. We provide fiduciary oversight, quarterly reporting, and policy development to ensure compliance with investment mandates. Our evidence-based strategies aim to enhance returns while maintaining liquidity for operational requirements.
Corporate Retirement Plans
Comprehensive management of corporate retirement plans, including 401(k) and 403(b) solutions. We assist with plan design, fiduciary compliance, employee education, and fund selection to reduce costs and improve participant outcomes. Our services help employers meet ERISA obligations while offering competitive investment options.
Tax-Efficient Investing
Optimized portfolio structuring to minimize tax impact through asset location, tax-loss harvesting, and use of tax-advantaged accounts. We leverage ETFs and strategic rebalancing to defer capital gains and reduce taxable income, enhancing after-tax returns for clients in various tax brackets.
Factor-Based Portfolio Management
Utilizing academic research to target factors like value, momentum, quality, and low volatility for enhanced returns. Our systematic approach seeks to outperform traditional market indices by capturing risk premia while maintaining diversification across asset classes.
People
Mark Armbruster
CEO
Mark founded Armbruster Capital in 2009 after 14 years in equity research and investment strategy. He previously served as Chief Investment Officer at Alesco Advisors, growing assets to $1 billion. A CFA charterholder, he contributes to financial publications and focuses on factor investing and ETF strategies.
Christopher M. Cebula
President
Christopher leads financial operations with prior experience in assurance services for investment firms and trusts. A SUNY Geneseo graduate, he focuses on local community development and serves on nonprofit boards, bringing expertise in accounting and fiduciary compliance.
Luca Zambito
Analyst and Portfolio Manager
Luca, a CFA charterholder, specializes in quantitative research and portfolio construction. He graduated from Canisius College in 2020 and contributes to factor-based investment strategies. He serves on the CFA Society Rochester board and focuses on data-driven asset allocation.
Tarryn Rozen
Director of Operations
Tarryn oversees compliance and operations, ensuring adherence to regulatory standards. With a background in private equity and nonprofit leadership, she brings a focus on fiduciary responsibility and client service excellence, holding the CFA designation.
Craig Julien
Chief Technology Officer
Craig leads technology strategy with 25+ years of experience in cybersecurity and systems management. He holds CRISC and CDPSE certifications and focuses on secure client data infrastructure, leveraging IEEE and Infragard partnerships to enhance digital safeguards.
Questions
What investment strategies do you use?
We employ evidence-based strategies including factor investing, tax-efficient asset location, and diversified portfolio management grounded in academic research from institutions like the University of Chicago and Yale.
Are you legally required to act in my best interest?
Yes, as an SEC-registered investment advisor, we operate as fiduciaries, legally obligated to prioritize client interests in all recommendations and decisions.
How are your fees structured?
We use a transparent, fee-only model based on assets under management, with no commissions, hidden fees, or third-party remuneration to ensure alignment with client goals.
Do you work with out-of-state clients?
Yes, we serve clients nationwide through virtual consultations and digital tools, maintaining the same personalized service regardless of location.
How do you handle tax optimization?
We implement tax-loss harvesting, strategic asset location, and ETF-based portfolios to minimize taxable gains while maximizing after-tax returns for clients.
What sets you apart from other advisors?
Our focus on academic research, zero-commission model, and fiduciary commitment differentiate us, along with $1B+ in assets under management and a team of CFAs and CPAs.
