Matawan, NJ Office

Calton & Associates is a registered investment adviser that is also registered as a broker‑dealer and a corporate insurance agency, serving individuals (including high‑net‑worth clients), retirement plans, trusts, estates and other business entities. The firm offers fee‑based portfolio management and financial planning, sponsors wrap fee programs, and its dually registered Investment Adviser Representatives can also offer commission‑based brokerage and insurance products.

Calton builds client asset allocations and manages accounts either directly through firm‑sponsored programs (I‑MAP, P‑MAP) or by recommending or appointing third‑party money managers and model portfolios through its T‑MAP platform, with formal due diligence before approving sub‑advisers. The firm uses a mix of analytical approaches (fundamental, technical, charting and cyclical) and may recommend non‑traded alternatives and covered‑call strategies when suitable; it also offers performance‑based fee arrangements to certain qualified clients.

Noteworthy distinctions include Calton’s combination of RIA, broker‑dealer and insurance registrations and the fact that many advisers are dually registered as registered representatives and licensed insurance agents, creating potential commission conflicts that the firm discloses. The brochure also discloses prior regulatory enforcement actions (including an SEC consent order and FINRA matters) and subsequent remedial steps such as crediting back 12b‑1 fees and revisions to supervisory procedures, information prospective clients may weigh when assessing the firm.