Atwater Wealth Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Atwater Wealth Management is a fee-only, SEC‑registered adviser that primarily serves individual and high‑net‑worth clients, managing about $248 million across roughly 98 accounts with a two‑adviser team. In addition to discretionary portfolio management, the firm offers targeted financial planning and hourly or fixed‑fee consulting on matters such as retirement planning, tax‑efficient distributions, estate planning, annuity reviews, and education funding.
Investment strategies are tailored to each client and reviewed at least quarterly, using a mix of fundamental and technical analysis and instruments that can include ETFs, mutual funds, separately managed accounts, individual equities and fixed income, and options. The firm manages all client assets on a discretionary basis and directs execution and custody through LPL Financial as its exclusive broker‑dealer and custodian.
A notable operational feature is that Atwater sponsors a wrap fee program on LPL’s platform and absorbs transaction charges for participating clients rather than passing those costs through to clients. The firm also maintains a relatively high account minimum (recently raised to $2 million) and operates with a small advisory team managing substantial assets while relying on LPL‑provided support services and policies intended to address related conflicts of interest.
Client services
Expertise
Fee options
Fixed fees ranging from $2,500 to $10,000 for consulting and financial planning services
$0 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.85% $5,000,001 - $10,000,000: 0.65% $10,000,001+: 0.45%
Up to $500 per hour
Account minimum: $2,000,000 Fee-only: Fee-only investment advisory services; no commissions earned by the firm.
Main office
176 Federal Street, 5th Floor
Boston MA 02110
Advisors at this office
2
Most active in
California · Massachusetts · New Hampshire
Also doing business as
Atwater Wealth Management · Atwater Wealth Management, Inc.
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.
Advisors at this firm
Caroline G
CFP®, CFA®, Series 66
Boston, MA
Atwater Wealth Management, Inc.
Caroline Gaffney is a CFP® and CFA® with 17 years of industry experience. She has been with Atwater Wealth Management, Inc. since 2014. Gaffney holds a Series 66 license and is based in Boston, MA. Atwater Wealth Management is a fee-only, SEC-registered advisory firm serving primarily individual and high-net-worth clients. The firm offers discretionary portfolio management and a range of financial planning services, using tailored investment strategies reviewed quarterly and managing assets on a discretionary basis through LPL Financial.
Jacqueline W
Series 65, Series 63
Boston, MA
Atwater Wealth Management, Inc.
Jacqueline Waite is a financial advisor at Atwater Wealth Management, Inc. in Boston, MA, holding Series 65 and Series 63 licenses with five years of industry experience. Her prior roles include positions at Fidelity Investments, New World Advisors LLC, Winsor House, and LPL Financial. Atwater Wealth Management is a fee-only, SEC-registered adviser serving primarily individual and high-net-worth clients. The firm manages approximately $248 million across about 98 accounts, offering discretionary portfolio management alongside financial planning and consulting services tailored to each client.
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