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Credentials
CFP®
Experience Industry experience
12 years
Location
Westborough, MA 01581
AAF Wealth Management, LLC
Team
Total advisors
7Clients per advisor
39 LowAvg AUM per client
$2,058,577 HighHNW client ratio
52% HighCarmen Grinkis is a CFP® professional with 12 years of experience, currently serving at AAF Wealth Management, LLC. She has been affiliated with AAF Wealth Management and AAFCPAs Insurance since 2016 and is also involved with Income Protection Partners. Outside of advisory work, she holds a managerial role at AAFCPAs Insurance, overseeing licensing and product evaluations. AAF Wealth Management provides investment advisory, financial planning, and pension consulting services to a diverse client base, including individuals, trusts, retirement plans, non-profits, and businesses. The firm employs a formal manager-selection process combining quantitative and qualitative analysis and offers discretionary asset management across various investment types.
Based on AAF Wealth Management, LLC
Based on AAF Wealth Management, LLC
Financial planning and consulting flat fees generally range from $1,500 to $10,000; Pension consulting flat fees generally range from $750 to $10,000
$0 - $500,000: 1.50% $500,001 - $1,000,000: 1.25% $1,000,001 - $2,500,000: 1.00% $2,500,001 - $5,000,000: $23,000 + 0.600% of the Amount Over $2,500,000 $5,000,001 - $10,000,000: $38,000 + 0.500% of the Amount Over $5,000,000 $10,000,001 - $25,000,000: $63,000 + 0.375% of the Amount Over $10,000,000 $25,000,001 - $50,000,000: $119,000 + 0.150% of the Amount Over $25,000,000 $50,000,001+: Negotiable
$350/hour for financial advisors, $150/hour for para-planners, $75/hour for administrative time
Account minimum: $100,000 Fee-only: Hourly fees: $350 for financial advisors, $150 for para-planners, $75 for administrative time; Flat fees generally range from $1,500 to $10,000 for financial planning and consulting; Pension consulting flat fees range from $750 to $10,000 or up to 1.00% of plan assets
Westborough, MA
50 Washington Street
Westborough MA 01581
Advisors at this office
7
Massachusetts · Rhode Island
12 years of industry experience
AAFCPAs Insurance, LLC
2016 - Present • 10 years
Westborough, MA
AAF Wealth Management, LLC
2016 - Present • 10 years
Westborough, MA
Income Protection Partners
2010 - Present • 16 years
Tiverton, RI
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Verified by Warmer
CFP®, Series 66
Westborough, MA
Financial Independence Advisors
Joseph Hoffman is a CFP® with 22 years of industry experience, currently serving at Financial Independence Advisors a part of World Investment Advisors, LLC. His prior roles include positions with TIAA-CREF, Edward Jones and Vanguard. He is also licensed to recommend life, health, and variable insurance products. World Investment Advisors, LLC is an SEC-registered investment adviser providing portfolio management and advisory services to individuals, institutions, and retirement-plan clients. The firm offers model-based and customized portfolio solutions across discretionary and non-discretionary strategies, supported by a range of technology platforms and service offerings.
CFP®, Series 66
Shrewsbury, MA
Meenes Wealth Partners
Jeffrey Meenes is a CFP® and Series 66 licensed financial advisor with 14 years of industry experience. He has worked at Blueprint Financial Planning, LLC since 2010. Meenes operates as the sole advisor at Meenes Wealth Partners in Shrewsbury, MA. Meenes Wealth Partners provides flat-fee, fiduciary wealth management and comprehensive financial planning primarily for pre-retiree and retiree households. The firm emphasizes evidence-based investment strategies focused on global diversification, tax-aware management, and client-approved, non-discretionary portfolio implementation.
Lincoln, MA
Shanti Capital LLC
Sangita Gandhi is a financial advisor at Shanti Capital LLC with 16 years of industry experience. She has non-active ownership in SAMVED Corporation, an investment-related business providing some investment research services since 2003, but holds no operational role. Shanti Capital LLC provides discretionary investment management primarily to high-net-worth individuals, focusing on global equity portfolios. The firm emphasizes fundamental research to identify undervalued companies with sustainable competitive advantages and concentrates holdings in a limited number of long-term equity opportunities, including exposure to small-cap healthcare, biotech, and non-U.S. equities.
Series 63, Series 65
Medfield, MA
Silver Pine Capital, LLC
Edward Vahey is a financial advisor at Silver Pine Capital, LLC with 10 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Silver Pine Capital, he worked at Citizens Securities Inc. and Axa Advisors, LLC, and has concurrently been employed in sales at WRIGHT Medical Technology, Inc. Outside of his advisory role, Vahey serves as a referee for high school and youth hockey and lacrosse games and coaches youth hockey in Wellesley. Silver Pine Capital is an independent investment adviser serving individual and institutional clients, including high-net-worth and non-HNW investors. The firm employs a value-oriented, fundamental investment approach with diversified portfolios across equities, fixed income, and alternatives, and offers discretionary portfolio management, financial planning, and specialized strategies such as option overlays and performance-based compensation arrangements for accredited investors.
Series 65
Wayland, MA
Levin Financial Planning
Charles Levin is the sole advisor at Levin Financial Planning in Wayland, MA, holding a Series 65 license with 20 years of industry experience. He has led his independent firm since 2004, providing fee-only, hourly financial planning and investment advice. Levin Financial Planning serves individuals, families, small businesses, and retirement or profit-sharing plans using a fundamental, long-term buy-and-hold investment approach primarily with low-cost index funds and ETFs. The firm is notable for advising pension or profit-sharing plan clients despite being a solo, hourly-planning practice and is currently winding down operations and not accepting new clients.
PFS™, Series 65
Millis, MA
MOK Financial Planning & Tax, Inc.
Michael O'Keeffe is a financial advisor at MOK Financial Planning & Tax, Inc. with 20 years of industry experience. He holds a Personal Financial Specialist (PFS™) designation and a Series 65 license. Prior to founding his current firm in 2017, he worked at Oakdale Wealth Management for 12 years. He is also a CPA registered in Maryland and provides tax preparation and bookkeeping services. MOK Financial Planning & Tax, Inc. offers discretionary portfolio management primarily for individuals, trusts, and estates, with additional consulting services including bookkeeping and investment analysis. The firm combines tax preparation with financial planning and constructs customized portfolios tailored to client objectives and risk tolerance, utilizing a range of investment instruments and strategies.
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