93 Financial Group, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
93 Financial Group is an SEC‑registered investment adviser and licensed insurance agency that advises individuals, families, business owners, trusts and estates on financial planning, retirement planning, discretionary investment management, and insurance products. The firm manages approximately $899.7 million on a discretionary basis and serves about 1,175 clients through a five‑advisor team, producing a client load that exceeds 200 clients per advisor.
The firm describes a traditional, one‑on‑one service model that tailors portfolios primarily using mutual funds and exchange‑traded funds, employing fundamental analysis and a long‑term investment horizon. 93 Financial conducts ongoing monitoring with at least quarterly reviews and incorporates hypothetical growth projections into its retirement planning work.
Distinctive aspects of 93 Financial include its continued operation as a licensed insurance agency—certain supervised persons sell insurance products and may receive commissions, and insurance sales consume about ten percent of staff time—and its relatively high client‑to‑advisor ratio. The use of hypothetical performance/projections in client planning materials, combined with the firm’s integrated advisory and insurance activities, are features that are less common among peer team firms and may affect client communications and potential conflicts of interest.
Client services
Expertise
Occupation focus
Fee options
1.00% annually
Certain supervised persons offer insurance products under a commission arrangement
Main office
600 Unicorn Park Drive
Woburn MA 01801
Advisors at this office
5
Most active in
California · Connecticut · Florida · Maine · Massachusetts · New Hampshire · North Carolina · Pennsylvania · Rhode Island · Texas · Virginia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
Advisors at this firm
John W
Series 63, Series 65
Woburn, MA
93 Financial Group, LLC
John Welch is a financial advisor at 93 Financial Group, LLC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with 93 Financial Group since 2007. 93 Financial Group serves individuals, families, business owners, trusts, and estates, offering financial planning, discretionary investment management, retirement planning, and insurance services. The firm focuses on one-on-one advisory relationships and uses fundamental analysis to create long-term asset allocations, typically implemented with mutual funds and ETFs.
David B
Series 63, Series 65
Woburn, MA
93 Financial Group, LLC
David Baker is a financial advisor at 93 Financial Group, LLC with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at 93 Financial Group since 2018, following previous roles at Metro Financial Services and Raymond James Financial Services Advisors, Inc. 93 Financial Group is an SEC-registered investment adviser and licensed insurance agency serving individuals, families, business owners, trusts, and estates. The firm offers financial and retirement planning, discretionary investment management, and insurance products through a five-advisor team, managing approximately $900 million with a client load exceeding 200 clients per advisor. Their approach focuses on tailored portfolios using mutual funds and ETFs, fundamental analysis, long-term investment horizons, and ongoing monitoring including quarterly reviews.
Lawrence W
Series 63, Series 65
Woburn, MA
93 Financial Group, LLC
Lawrence Welch is a financial advisor with 27 years of industry experience, currently practicing at 93 Financial Group, LLC since 2003. He holds Series 63 and Series 65 licenses and is based in Woburn, MA. 93 Financial Group serves individuals, families, business owners, trusts, and estates by providing financial planning, discretionary investment management, retirement planning, and insurance services. The firm employs a traditional, one-on-one advisory approach using fundamental analysis to create tailored, long-term asset allocations primarily implemented through mutual funds and ETFs.
Paul W
Series 63, Series 65
Woburn, MA
93 Financial Group, LLC
Paul Welch is a financial advisor at 93 Financial Group, LLC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with 93 Financial Group since 2003. 93 Financial Group serves individuals, families, business owners, trusts, and estates by providing financial planning, discretionary investment management, retirement planning, and insurance services. The firm focuses on one-on-one advisory relationships and uses fundamental analysis to create tailored, long-term asset allocations primarily implemented through mutual funds and ETFs.
James W
Series 65
Woburn, MA
93 Financial Group, LLC
James Welch is a financial advisor at 93 Financial Group, LLC with 18 years of industry experience. He holds a Series 65 designation and has been with 93 Financial Group since 2003. 93 Financial Group serves individuals, families, business owners, trusts, and estates by providing financial planning, discretionary investment management, retirement planning, and insurance services. The firm emphasizes one-on-one advisory relationships and uses fundamental analysis to create tailored, long-term asset allocations typically implemented with mutual funds and ETFs.
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