ArborStone Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
ArborStone Financial provides discretionary wealth management and investment advisory services to individuals, high‑net‑worth individuals, trusts, and estates. Services described in the brochure include model‑portfolio investment management (primarily ETFs, low‑cost mutual funds, and individual securities), retirement account advice, financial planning, and estate‑planning facilitation through a third‑party platform, with referrals to unaffiliated specialists as needed.
The firm’s investment process emphasizes fundamental analysis and strategic asset allocation delivered through model portfolios and tailored portfolio construction; strategies are generally long‑term focused but the firm may rebalance or trade shorter‑term to meet client needs or tax objectives. ArborStone operates as a fiduciary, maintains ongoing personal client contact, provides discretionary portfolio management, and may engage Independent Managers for portions of client assets while retaining oversight.
Compared with many peers in the supported‑advisor category, the firm manages a relatively large pool of discretionary assets (about $476 million) for roughly 1,129 clients while operating with four advisors, which implies a high asset‑per‑advisor ratio. Its advisory team holds advanced industry credentials (CFP, CIMA, CPWA, CFA), maintains insurance licenses and may earn commissions for insurance sales (advisors report devoting about 10% of their time to those activities), and the firm has an institutional custodial relationship with Charles Schwab and uses third‑party estate‑planning technology—features that affect how services are delivered and introduce identifiable conflicts of interest that clients should review.
Client services
Expertise
Fee options
Estate planning services offered as a fixed engagement fee up to $3,000 per engagement, fees may be negotiable.
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.70% $4,000,001 - $5,000,000: 0.60% $5,000,001+: 0.50%
Main office
10 New England Business Center Drive, Suite 109
Andover MA 01810
Advisors at this office
4
Most active in
Arizona · California · Florida · Illinois · Louisiana · Maine · Massachusetts · New Hampshire · New York · North Carolina · South Carolina · 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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
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.
Advisors at this firm
William G
CFP®, Series 63
Andover, MA
ArborStone Financial, LLC
William Gaudino II is a CFP® with 33 years of industry experience, currently serving as an investment advisor representative at ArborStone Financial, LLC. He previously worked at Ameriprise for 34 years and is also registered as a representative with Purshe Kaplan Sterling Investments, Inc. In addition to his advisory role, he is a licensed insurance agent. ArborStone Financial provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamentals-driven, long-term investment approach using model portfolios, ETFs, mutual funds, and individual securities, and oversees client strategies that may include independent managers.
Justin G
CFP®, Series 63, Series 65
Andover, MA
ArborStone Financial, LLC
Justin Gaudino is a CFP® professional with 11 years of industry experience, currently serving as an advisor at ArborStone Financial, LLC. His prior roles include positions at Ameriprise Financial Services, Mayflower Financial Advisors, Private Client Services, Wells Fargo Advisors, and MFS Fund Distributors. Gaudino is also a licensed insurance agent, dedicating a portion of his time to insurance sales and implementation. ArborStone Financial provides discretionary wealth management and investment advisory services to individuals, high-net-worth clients, trusts, and estates. The firm focuses on fundamental analysis and strategic asset allocation, delivering primarily ETF and mutual fund model portfolios alongside tailored portfolio construction, and offers retirement and estate planning support through third-party specialists.
Sean C
CFP®, Series 63
Andover, MA
ArborStone Financial, LLC
Sean Connolly is a CFP®-designated financial advisor with over 31 years of industry experience. He has been with ArborStone Financial, LLC and Purshe Kaplan Sterling Investments, Inc. since 2026, following a 31-year tenure at Ameriprise. Connolly is also a licensed insurance agent, spending approximately 10% of his time on insurance sales and implementation. ArborStone Financial provides discretionary wealth management and investment advisory services primarily to individuals, high-net-worth clients, trusts, and estates. The firm’s investment approach focuses on fundamental analysis and strategic asset allocation through model and tailored portfolios, offering long-term strategies with occasional rebalancing or trading to address client-specific needs.
Jeffrey K
CFP®, CFA®, Series 63
Andover, MA
ArborStone Financial, LLC
Jeffrey Kutz is a CFP® and CFA® with 33 years of industry experience. He is currently an investment advisor representative at ArborStone Financial, LLC and also serves as a registered representative with Purshe Kaplan Sterling Investments, Inc. Prior to joining ArborStone and PKS in 2026, he spent over three decades at Ameriprise. ArborStone Financial provides discretionary wealth management and financial planning to individuals, high-net-worth clients, trusts, and estates. The firm follows a fundamentals-driven, primarily long-term investment approach using model portfolios composed of ETFs, mutual funds, and individual securities, and incorporates independent managers when appropriate.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)