About
Built by someone who needed it.
Arthavita exists because the right tools did not.
Our Story
The problem no platform was solving.
Arthavita was built by Ketan Patel, a technology entrepreneur with 30+ years of experience across multiple industries, who found himself facing the same retirement planning complexity that millions of pre-retirees face: scattered accounts, confusing tax rules, and tools that only told half the story.
The financial tools that existed were built for accumulation — for people still saving and growing wealth. Almost nothing was built for the withdrawal phase: when to take Social Security, how to sequence withdrawals across account types, how state taxes change the math, how to make the money last.
Arthavita was built to solve that problem. Not just retirement, but every stage of the financial life — from first investment to lasting legacy — with tools that surface the right decisions at the right time, before the windows close.
Our Mission
To educate people to make better financial decisions across every stage of their financial life — from first investment to lasting legacy.
How We're Different
What Arthavita is. And what it is not.
Recommendation-only
We never execute trades or connect to your brokerage accounts to move money. Every financial decision stays entirely with you.
No commissions
We earn nothing from what you do with our guidance. No referral fees, no product sales, no kickbacks from advisors or funds.
Subscription-only
Our only incentive is to be genuinely useful. If the platform does not help you, you cancel. That is the only accountability mechanism we need.
Cancel anytime
Your subscription renews monthly. Cancel at any time from your billing settings — no hoops, no retention calls, no penalty.
How we compare
vs Betterment / Wealthfront
They execute trades and manage your money for you. Arthavita never touches your money — we recommend, you decide.
vs Personal Capital / Empower
Their model monetizes you by connecting you with financial advisors. Arthavita earns only from subscriptions — your data is never the product.
vs NewRetirement / Boldin
They focus on the retirement phase. Arthavita covers all six life stages — from young adult through active retirement — with domain-specific guidance at each stage.
How We Make Money
One subscription. Nothing else.
A simple $20/month subscription. No ads. No referral fees. No product sales. No commissions. The only way Arthavita grows is if members find it genuinely useful.
We believe the right financial tools should be accessible without a conflict of interest built into the business model. A subscription aligns our incentives with yours: your financial clarity is the only thing we are selling.
Security & Trust
Your financial data is protected at every layer.
AES-256-GCM encryption
All sensitive financial fields — account balances, retirement scenarios, portfolio values — are encrypted at rest.
TLS 1.3 in transit
All data between your browser and our servers is encrypted with TLS 1.3. No unencrypted connections.
Read-only brokerage connections
SnapTrade connects to your brokerage accounts in read-only mode. We can never move your money, place trades, or modify positions.
No data selling
Your financial data is never sold, shared with advertisers, or used to build advertising profiles. Period.
8-hour session expiry
Sessions expire automatically after 8 hours with a 30-minute idle timeout — protecting your account on shared or unattended devices.
MFA support
Multi-factor authentication is available for all accounts and required for admin access.
Security concerns? security@arthavita.co
Contact