Mystic, CT Office

The firm provides advisory services to individuals (including high‑net‑worth clients), businesses, and retirement plans, offering discretionary investment management, comprehensive financial planning (both ongoing and standalone engagements), retirement plan advisory, and advisory services to pooled private funds. Engagements typically include portfolio construction and ongoing supervision, with financial planning integrated into wealth management or offered as a separate service.

Apricity Financial’s investment process is primarily fundamental‑analysis driven and generally long‑term oriented, emphasizing diversified, low‑cost exchange‑traded funds while retaining or using individual securities, bonds, mutual funds, and alternatives where appropriate. Accounts are monitored continuously and managed mostly on a discretionary basis, with client objectives, risk tolerance and reasonable investment restrictions established through regular personal contact.

Distinctive aspects noted in the firm’s brochure include the use of performance‑based fees for certain alternative investments offered to “Qualified Clients” who meet specified asset or net‑worth thresholds, and an affiliation with an insurance affiliate through which advisory personnel are licensed to sell insurance and may receive commission income (disclosed as a potential conflict). The brochure also describes an institutional custodian relationship that provides software and other economic benefits to the firm and directs readers to external sources (the firm website and the SEC’s Investment Adviser Public Disclosure) for additional information and third‑party evaluations.