Meaning-full Wealth
"Wealth is the ability to fully experience life" -Thoreau.
Fee-Only Financial Advisors to Physicians, Executives, Entrepreneurs and Retirees in Dallas, TX and across the United States.
We get it. You have little time to plan your finances because you are busy chasing a career, raising a family and making time for friends and hobbies. You tend to shy away from investing because it is exhausting to research and separate the fair from the fraudulent. Or you have tried investing, but your emotions swing wildly between the fear of missing out and the fear of losing big.
It shouldn't be this complicated and it need not be.
Artham was founded on the idea that a long-term partnership with a financial advisor who has their best interest in mind can help navigate all that complexity and help you chart a clear path through it..
Fee-Only | Fixed-Fee | Fiduciary
Artham Advisors was founded on a simple premise: families deserve financial advice that is completely free of conflicts of interest. We charge a flat fee, sell no investment products, earn no commissions, and are legally required to act in your interest at all times.
Our team brings together CFP® credentials, FINRA registration, and more than 30 years of combined corporate finance experience — including CFO-level roles at companies ranging from venture-backed to multi-billion-dollar. We understand the financial complexity you face because we've built our practice around solving it.
$0
Commissions earned.
Ever.
100%
Fiduciary
All accounts - all the time
Flat Fee
Fee Structure
No AUM fees for >$2M
50 Min
Free Initial Consultation
No Obligation
Financial
Plan
Click on any circle to learn more
Comprehensive Financial Planning
We believe in COMPREHENSIVE financial planning.
Here's our take - it is impossible to develop a responsible plan for investments or retirement if the conversation doesn't include how much you spend every year, what debts you carry or what your goals are in retirement. All of it is inter-related.
So, we take the time to get to know you and your family deeply, starting with your goals and values. Then, together with you, we develop a thoughtful set of strategies and plans that is designed to get you to your goals. We take this overwhelming and sometimes emotionally draining work and make it a whole lot easier. This thorough work also helps us become your partners for the long-run, ensuring the plan adapts as your life evolves.
Our process is methodical and broken up into manageable steps. The graphic below lists all the areas of your financial life that we will touch on. Click on a circle to learn more about that aspect.
About Sanjay Pamurthy, CFP®
Sanjay founded Artham after two decades as a Finance executive at PepsiCo and The Freeman Company, helping these large firms build world-class finance teams and processes. This background in corporate America shaped his belief that we now live in both the best nation and the best time for wealth creation.
Sanjay earned an MBA from Southern Methodist University, and lives in Dallas with his wife, Chrisette (a physician and entrepreneur), and two children, Ketan and Anjali.
About Devin Talbot, MBA
Devin’ fifteen-year career in corporate finance and consulting, included roles at Deloitte Consulting and General Motors. He also founded a software company for the agricultural sector. Having lived the life of a consultant, executive, and founder, Devin believes that thoughtful, evidence-based financial plans can transform money from a source of anxiety into a tool for meaning and freedom.
Devin earned an MBA from Michigan State University and lives in Texas with his wife, Rachel (a Child Psychiatrist), and two daughters, Juliette and Eloise.
Frequently Asked Questions About Artham & Our Process
A fee-only financial advisor is paid exclusively by the client — through flat fees, hourly rates, or a percentage of assets managed — and never receives commissions, referral fees, or compensation from selling financial products. This removes the conflicts of interest that come with commission-based advice.
A fiduciary is legally required to act in a client's best interest at all times, on every account — not just when it's convenient or required by a specific transaction. Artham Advisors operates as a fiduciary on 100% of client accounts, all the time.
Artham Advisors uses a transparent, flat-fee structure rather than a percentage of assets under management, so clients know their exact cost regardless of portfolio size. Fees vary by the complexity of the engagement — see the Fees page for current pricing.
Our goal is to become trusted advisors you can rely on as your life evolves. In other words, we want to be your family CFOs. That means investing the time and effort to get to know you and your family intimately, and understand your values, goals and dynamics. This takes time and is best done in the context of an on-going relationship. We also believe we deliver tremendous value through this comprehensive approach.
That said, we also want to help you where you are. We have helped clients on occasion with a one-time plan and will continue to do so.Yes. Artham Advisors has deep, personal experience with physician finances. Both Sanjay and Devin are married to physicians and have lived and worked through a lot of financial scenarios facing typical physicians, including PSLF, backdoor Roth IRAs, disability insurance, 403(b)/457(b) planning, and tax strategies for high-income medical professionals. We also maintain a dedicated resource hub for physicians. Look under "For Physicians" in the menu.
Artham Advisors works with physicians, executives, entrepreneurs, and retirees in Dallas, TX and across the United States, providing comprehensive financial planning, retirement planning, tax planning, small business planning, and fee-only investment management.