103 Advisory Group
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
103 Advisory Group works with individual and high‑net‑worth clients, providing discretionary asset management, written financial planning, retirement rollover advice, and modular consulting. The firm also provides business‑development and marketing consulting to financial institutions, including ongoing coaching and campaign support.
Portfolios are managed using a mix of strategic and tactical asset allocation with both value and growth orientations and a dedicated fixed‑income focus; the firm employs fundamental and technical analysis and conducts at least quarterly account reviews. 103 Advisory Group routinely uses third‑party sub‑advisers for managed strategies, retains discretion to hire or terminate those managers, and tailors restrictions and investment selections to each client’s circumstances.
What is distinctive about the firm is its small advisory team that manages a relatively large asset base for a limited client roster, resulting in notably high average assets per client and a typical household minimum for direct management. 103 Advisory Group also offers atypical services for a firm of its size — fixed‑fee institutional consulting and ongoing business‑development support for banks and trust departments — and its advisors hold professional credentials (CFA, CFP) and maintain proxy‑voting and class‑action monitoring processes.
Client services
Expertise
Fee options
Fixed fee arrangement for financial planning and consulting services, generally $7,500; and financial institution consulting fees $15,000–$50,000
$0 - $2,500,000: 1.000% $2,500,001 - $10,000,000: 0.500% $10,000,001 - $25,000,000: 0.400% $25,000,001 - No limit (negotiable): Negotiable
Account minimum: $1,000,000 Minimum fee: Minimum annual fee of $2,500 Fee-only: Fixed fee for financial planning services generally $7,500
Main office
231 S. Lasalle Street, 21st Floor
Chicago IL 60604
Advisors at this office
3
Most active in
California · Florida · Illinois · Indiana · Nebraska · Texas
Also doing business as
103 Advisory Group · 103 Advisory Group LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Javier D
Series 65
Chicago, IL
103 Advisory Group
Javier De La Torre is a Series 65-credentialed advisor with 0 years of industry experience. He is currently with 103 Advisory Group and has prior experience at Hightower Advisors and several other firms. 103 Advisory Group serves individual and high-net-worth clients by providing discretionary asset management, financial planning, and business-development consulting for financial institutions. The firm combines strategic and tactical asset allocation with fundamental and technical analysis and manages a relatively large asset base for a limited number of clients.
John M
CFP®, CFA®, Series 66
Chicago, IL
103 Advisory Group
John Mariscalco is a CFP® and CFA® charterholder with 10 years of industry experience. He has worked at 103 Advisory Group since 2019 and previously held roles at Strategic Wealth Partners, Marquette Associates, Mainstreet Advisors, and Gunnallen Financial. 103 Advisory Group serves individual and high-net-worth clients by providing discretionary asset management, financial planning, retirement rollover advice, and consulting. The firm combines strategic and tactical asset allocation with fundamental and technical analysis and offers specialized services such as fixed-fee institutional consulting and business-development support for financial institutions.
Richard M
CFA®, Series 63
Chicago, IL
103 Advisory Group
Richard Milton is a financial advisor at 103 Advisory Group with 25 years of industry experience. He holds the CFA® designation and the Series 63 license. Prior to joining 103 Advisory Group in 2021, he worked at Mainstreet Advisors for 17 years and also has experience with Waterstone Financial Group, Inc. and Feldman Securities Group L.L.C. 103 Advisory Group serves individual and high-net-worth clients by providing discretionary asset management, written financial planning, and business-development consulting to financial institutions. The firm uses a mix of strategic and tactical asset allocation, employs both fundamental and technical analysis, and offers tailored investment management with a focus on high average assets per client.
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