Alvarez & Associates Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Alvarez & Associates Financial is an independent, fee-only registered investment adviser that provides investment management and financial planning to individuals, high-net-worth clients, charitable organizations, and businesses. The firm charges percentage-of-assets fees for managed accounts and offers both ongoing comprehensive planning and project-based planning engagements.
The firm develops personalized investment policies and may manage accounts on a discretionary basis, using fundamental, technical, and cyclical analysis and a mix of active and passive strategies; it also employs asset allocation models and may include mutual funds, ETFs, stocks, bonds, and limited cryptocurrency exposure in client portfolios. Advisor access to third‑party platforms and managers (including participation in Schwab’s Managed Account Platform and recommendations of outside managers) is part of its implementation toolbox, and clients may impose reasonable investment restrictions.
Notably, the firm is newly formed and reported no assets under management or clients as of its initial ADV filing, and it is structured so it is not operated as a traditional solo-practitioner model despite having a single registered advisor. Operational details that differ from many peers include the principal’s prior brokerage and insurance experience and significant outside employment (about one-quarter of their time spent driving for a rideshare service), which the firm discloses as part of its business practices.
Client services
Expertise
Fee options
Project-based financial planning fixed fees ranging from $750 to $1,500
$0 - $1,000,000: 0.70% $1,000,001 - $3,000,000: 0.50% $3,000,001+: 0.30%
$200 per hour for project-based financial planning
Ongoing comprehensive financial planning fees charged as fixed recurring annual fees: $1,250/year for individuals ($104/mo), $2,000–$4,000/year for business owners/nonprofits ($166-$333/mo), $5,000+/year for complex cases
Account minimum: $50,000 Fee-only: Advisory fees billed as percentage of AUM per tiered schedule; firm is described as fee-only with no commissions received.
Main office
Central Falls RI
Advisors at this office
1
Most active in
Massachusetts · Rhode Island
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.
Forms ADV
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