Vetted Advisor's Table

Nicholas Greggory Caramanica, CFP®
Arlington Wealth Planning, LLC

Tel: 703-300-0448
Arlington, VA 22203
Arlington Wealth Planning, LLC | Financial Advisor in Arlington ,VA

Financial Planning, Investment Management, Tax, and Business Retirement Plans

About Nicholas Greggory Caramanica

With a well-rounded perspective and a commitment to excellence, Nicholas Greggory (Greg) Caramanica is dedicated to providing strategic financial planning solutions that drive personal and business success.

Mr. Caramanica is a seasoned finance professional with over 29 years of diverse experience (19 in financial services), beginning in information systems and progressing into financial management. He has a proven track record of delivering valuable insights and driving business success across various industries. He also has a strong background in data analytics, demonstrated by conducting market feasibility studies and evaluating the distributions of loan and grant awards using statistical methods and geospatial mapping.

His portfolio management, finance, and due diligence experience are underscored by his management of a loan and grant portfolio valued at $26 billion.

With a passion for personal finance and investing, Mr. Caramanica founded Arlington Wealth Planning in 2012 and serves as its Chief Executive Officer. His entrepreneurial mindset fuels his innovative approach, consistently challenging conventional perspectives to uncover new opportunities.

In addition to his financial acumen, he is a skilled communicator, adept at presenting complex data to diverse audiences. Whether engaging with C-suite executives, individuals, or families, he effectively distills information to facilitate informed decision-making.

Beyond his professional achievements, Mr. Caramanica has been actively involved in organizations such as the Project Management Institute, Washington D.C. Chapter, where he served as Director at Large and Vice President of Finance on the Board of Directors. He has also been recognized with awards such as the Booz Allen Performance Excellence Award and holds the prestigious CERTIFIED FINANCIAL PLANNER certification through the CFP Board. He holds a Financial Planning Graduate Certificate from Georgetown University, an MBA from Virginia Tech, and a Bachelor's degree in Decision Sciences & Management of Information Systems from George Mason University.

Mr. Caramanica lives in Arlington, Virginia, with his wife and two daughters.

About Arlington Wealth Planning, LLC

Arlington Wealth Planning (AWP) is a Fee-Only Registered Investment Advisor (RIA) based in Arlington, Virginia. We bring peace of mind to individuals, families, and businesses by helping them to develop a financial plan to achieve their greatest aspirations.

Our focus is on the customer experience. AWP do not use pressure sales tactics and we do not push products. We do emphasize planning and explain concepts thoroughly at a pace that works for the customer, so that they build their financial expertise. Financial literacy is important. A well-educated client is one who understands financial concepts, so that we can have more meaningful conversations. If you are not there, we will get you there.

We perform holistic financial planning (as defined by the CFP Board and the Financial Planning Association, FPA) to ensure that all aspects of the client's financial picture are considered.

We have your best interests in mind as a "fee-only" RIA, which means that we are not incentivized to sell particular investments. We charge fees based on the services provided so that we limit conflicts of interest (we also offer tax preparation for a fee).

Owner and Chief Executive Officer, Greg Caramanica, is a CERTIFIED FINANCIAL PLANNER who brings the fundamentals of holistic financial planning to AWP. After over 27 years in the consulting industry, he built the company on a foundation of consulting principles where thorough analysis and communication provide a top-notch customer experience.

Mr. Caramanica holds a Master's Certificate in Financial Planning, a Masters of Business Administration, and a Bachelor of Science in Decision Sciences and Management Information Systems.

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General Information

Firm Start Year:   2012
No. of Employees:   1
Name of Custodial Firm:   Altruist Financial, LLC
States Licensed in:   VA, MD, DC, NC
Number of Years with Current Firm:   12
Work Experience:   Mr. Caramanica has been Chief Executive Officer (CEO) of Arlington Wealth Planning, LLC, since 2012. In 2017, he reregistered his firm as a Registered Investment Advisor (RIA) and became "Fee Only" in 2019. Since then, he has built a client base of over 70 clients and an investment portfolio of over $6.5m, while also creating dozens financial plans in the last few years alone. Mr. Caramanica has also had a distinguished career (since 1994) providing consulting services related to economic and business analysis, capital planning, business case evaluation, loan & grant portfolio management, and private equity research for companies.
Work with the following types of clients:   Businesses, Individual Investors, Non-Profit Organizations
Advisory Services Provided:   Financial Advice & Consulting, Investment Advice & Management, Financial Planning, Portfolio Management, Retirement Planning, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, 401K Rollovers


Investment Types:   Bonds, Mutual Funds, Stocks, Exchange Traded Funds (ETFs)
Can meet clients in the following ways:   Video Conference, Phone

Firm Information

Firm's Number of Clients:   74
Firm's Number of Planning Clients:   41
Firm's Number of Managed Clients:   24
Assets Managed by Firm:   $6.7m
Advisor's Number of Clients:   75
Advisor's Number of Managed Clients:   24
Advisor's Number of Planning Clients:   42
Assets Managed by Advisor:   $6.7m

Compensation and Fees

Fee Structure:   Fee-Only
Minimum Portfolio Size for New Managed Accounts:   $100,000
Compensation Methods:   Based on Assets, Hourly
Fee % Based on Assets:   0.25%-1.0%
Hourly Rate:   $281
Additional Details on Charges:  

Assets Under Management (AUM) Fee Schedule:

  • $0 to $1,000,000, AUM Fee: 1.000%/yr
  • $1,000,000 to $3,000,000, AUM Fee: 0.850%/yr
  • $3,000,000 to $5,000,000, AUM Fee: 0.650%/yr
  • $5,000,000 to $10,000,000, AUM Fee: 0.500%/yr
  • $10,000,000 to $20,000,000, AUM Fee: 0.400%/yr
  • $20,000,000 to $50,000,000, AUM Fee: 0.300%/yr
  • $50,000,000 to $100,000,000, AUM Fee: 0.250%/yr

AUM fees are quoted per annum and billed quaterly, in arrears based on the value of the portfolio on the last day of the quarter

Minimum Fee Charged for Managed Accounts:   $0
Minimum Fee Charged for Hourly Planning Accounts:   $281/hr

Board Positions

Organization :   The Project Management Institute, Washington DC Chapter (PMIWDC), Alexandria, VA
Position :   Volunteer
Duration :   1/1/2007-12/31/2008
Organization :   The Project Management Institute, Washington DC Chapter (PMIWDC), Alexandria, VA
Position :   Assistant Vice President, Strategic Alliances
Duration :   1/1/2009-12/31/2010
Organization :   The Project Management Institute, Washington DC Chapter (PMIWDC), Alexandria, VA
Position :   Vice President, Outreach
Duration :   1/1/2011-12/31/2012
Organization :   The Project Management Institute, Washington DC Chapter (PMIWDC), Alexandria, VA
Position :   Assistant Vice President, Finance
Duration :   1/1/2013-12/31/2014
Organization :   The Project Management Institute, Washington DC Chapter (PMIWDC), Alexandria, VA
Position :   Vice President, Finance
Duration :   1/1/2015-12/31/2016
Organization :   The Project Management Institute, Washington DC Chapter (PMIWDC), Alexandria, VA
Position :   Director at Large
Duration :   1/1/2017-12/31/2017


B.S.  - Decision Sciences and Management Information Systems (DMIS)   George Mason University  - Fairfax, VA
M.B.A  - Business Administration   Virginia Tech  - Falls Church, VA
Master's Certificate  - Financial Planning   Georgetown University  - Arlington, VA

Financial Services

Portfolio Management

We follow these steps to build and manage your portfolio:

  1. Assess your risk tolerance and time horizon using an intelligently designed risk assessment process
  2. Determine the target Standard Deviation for your portfolio based on third-party market risk data
  3. Build a model allocation by asset class that fits the target Standard Deviation, using third-party economic and market information
  4. Choose low cost, high quality, securities based on robust selection criteria to achieve the model allocation
  5. Establish investment accounts with our licensed custodian (including customer portal for online and smartphone app access)
  6. Trade into the chosen securities in the proportions determined
  7. Evaluate chosen securities against selection criteria to determine watch list and potential candidates for replacement
  8. Re-evaluate target allocation based on changing contents of the chosen mutual funds and ETFs
  9. Rebalance portfolio to target allocation when deviations occur within a threshold target
  10. Reassess your risk tolerance and time horizon on an annual basis and rework the target allocation appropriately
  11. Reinvest dividends and income as necessary
  12. Liquidate funds, as necessary, and shift to more conservative investments when you need to fund a a financial goal (e.g. for a major purchase or funding need)
  13. Monitor economic and market information and make adjustments to model portfolios.
Financial Advice & Consulting

We are a comprehensive financial planning practice that provides holistic analysis. We have developed a robust process that ensures we address all aspects of your financial picture to develop a plan that works. This includes the assessment of assets, liabilities, and net worth against industry benchmarks to determine your current financial health. It also includes the assessment of your income, goals, cash flow, debt, and taxes. Additionally, we identify any estate and investment related risks and develop risk mitigation strategies with you. The overall process takes a few months of weekly meetings over video conference and we produce over 20 different artifacts as we work through your finances together. In the end, we deliver a financial plan that reflects the timeline of milestones, planned income and expenditures; and a list of recommendations resulting from our assessment.

Tax Advice and Services

We prepare and electronically file IRS and State tax returns. This includes the collection of information from the client using a secure web portal and discussion of tax-related information. We also assist clients in forecasting taxes and ensuring that tax withholdings are enough to minimize any additional amounts due at tax time. This involves the assessment of prior tax years and current year paystubs, along with changing income levels, to determine the forecasted taxes and withholdings. We also help clients determine their overall tax strategy based on expected future income during retirement and associated income taxation and excess Medicare premiums, so that we can determine whether tax deferral is in the best interest of the client and whether there are opportunities for Roth conversions. The financial planning process includes an in-depth look at the client's forecasted taxation over their lifetime.

Financial Planning for Businesses

Arlington Wealth Planning (AWP) is partnered with an award-winning Third Party Administrator and Recordkeeper to provide business retirement plans, such as 401ks. AWP provides the advisory services as a 3(38) fiduciary by developing the client's investment policy; and selecting and monitoring the fund lineup according to a criteria-based framework that seeks to identify high quality funds by evaluating numerous aspects of their management and performance. AWP also manages participant enrollment and participant education regarding the 401k and its fund lineup. We are the front line, providing real time customer service to business owners, sponsors, and participants. Our aim is to create a high quality retirement plan that also provides participants with access to personal financial planning.

Insurance Planning

As part of our financial planning process, we help clients understand insurance from the perspective of risk management. We are able to discuss the insurance needed to mitigate certain financial risks without bias because we do not sell insurance are not compensated by insurance companies. We are only compensated by our clients, which means we aren't incentivized to recommend more insurance than is needed and we can be upfront and honest about insurance products and their role your overall plan. Through the use of our financial planning software, we provide clients with an assessment of the amount and type of insurance needed based on their financial projections and funding needs.


Why should I choose you as my financial advisor?

Mr. Caramanica is a CERTIFIED FINANCIAL PLANNER who has demonstrated his financial expertise over his 29 year career. He is thoughtful and a patient communicator who likes to work together with clients to perform planning and manage investment assets. He believes that the foundations of financial planning are very useful concepts that he can bring to all his clients. He is passionate about planning and finding new and better ways to work with individuals, families, and businesses.

What are your qualifications? What is your education background?

I am a CERTIFIED FINANCIAL PLANNER and hold a Master's Certificate in Financial Planning from Georgetown University, an MBA from Virginia Tech, and a B.S. In Decision Sciences and Management Information Systems (DMIS) from George Mason University. Arlington Wealth Planning is a Fee-Only Registered Investment Advisor (RIA) and its advisors are Investment Advisor Representatives (IARs) registered with FINRA and state financial regulators.

How are you compensated? How will I pay for your services?

We are a fee-only firm. We have hourly fees and fixed fees for the various services we offer.
Financial Planning can be performed on an hourly basis ($281/hr) or a fixed fee determined up front by the complexity of the plan (starting at $3,024, billed 50% up front and 50% upon delivery).
We have fixed-fee retainers for Financial Planning ($6,360 per annum, billed monthly) for those who have very complex financial situations and would like ongoing planning support.
Investment management services are billed at different rates determined by the assets held in the portfolio, but never exceed 1% per annum (billed quarterly). Higher levels of assets are eligible for reduced rates (see rate schedule)
We bill $136/hr for tax return services and our planning rate ($281/hr) for tax strategy planning.
Fees for implementing and/or managing business retirement plans (e.g. 401ks) are variable based on the assets in the plan, as low as 0.25% per annum (billed quarterly).

If you are going to manage my account, will you obtain my permission every time you buy or sell something?

No, our investment management services are provided on a discretionary basis.

Will you be the only person working with me?

I will be the person you work with directly. Any additional support provided by others will be in the back-office and not client-facing.



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Additional Detailed Disclosures



The information contained in this profile is being provided for informational purposes and does not constitute investment advice, nor does it constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security. The information contained in this profile is not intended to be used as a source of any specific investment recommendation, and individuals should not make any investment decision based solely on its contents. In addition, this profile does not take into account the particular opportunity costs, investment objectives, tax and financial situation or other needs of any specific individual. Therefore, each individual should consider their own financial goals, objectives and risk tolerance and consult with their financial advisor before making any investment or mortgage decisions. If you would like investment advice for your specific situation, please contact Arlington Wealth Planning, LLC, or your financial advisor, for a full review of your financial situation and investment accounts.


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Acknowledged fiduciary:


Compliance Disclosures in Last 5 years:

I have a clean record

Criminal Disclosures in Last 5 years:

I have a clean record

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