CAPE ANN FINANCIAL
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CapeAnn Financial provides customized investment advice and portfolio management to individuals, trusts, and pension and profit‑sharing plans, and addresses related financial planning matters such as retirement planning, education funding, stock option planning, employment benefits, and budgeting. The firm reports managing roughly $18.2 million across about 40 accounts and implements allocations that can include cash, equities (funds, ETFs, individual stocks), fixed income, CDs, fixed‑rate annuities and hedging instruments.
The firm’s investment process combines fundamental and technical analysis with both top‑down and bottom‑up research, and it monitors global macroeconomic and geopolitical conditions to align portfolio construction with each client’s goals, risk tolerance, time horizon, tax considerations and liquidity needs. Client accounts are monitored daily and reviewed at least monthly; transactions may occur as frequently as weekly when market conditions warrant, and discretionary authority is accepted only when clients provide written authorization.
Noteworthy distinctions include that a majority of the firm’s assets are managed on a non‑discretionary basis, a practice that is uncommon among independent advisory firms, and that the firm is licensed to sell insurance products and may receive commissions for those sales, a potential conflict the brochure discloses. The firm also prohibits conducting advisory business via text messaging (directing clients to phone, email or written communications) and recommends Charles Schwab as the custodian while declining soft‑dollar benefits.
Client services
Expertise
Fee options
$0 - $1,000,000: 0.7% annually $1,000,000 - $2,000,000: 0.5% annually $2,000,000+: Negotiable
May receive commissions for insurance products; no asset management fees charged on those assets.
Hourly fees may be charged if negotiated, no specific amounts stated.
Main office
Manchester MA
Advisors at this office
1
Most active in
Massachusetts
Also doing business as
Cape Ann Financial · Gillette Philip Edward
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
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