Christopher Investment Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Christopher Investment Advisors is a small, fee-only investment advisory firm that provides ongoing portfolio management and financial planning to individuals, families, and businesses. Although many firms in its category primarily manage pooled or institutional assets, this firm intentionally focuses on a limited roster of individual clients, including non‑high‑net‑worth households.
The firm follows a disciplined, endowment‑style approach, developing a customized investment policy for each client that emphasizes broad asset allocation, modern portfolio theory, and the use of low‑cost index funds and ETFs. Portfolios are monitored and rebalanced as needed, and investment management is integrated with financial planning in accordance with CFP Board practice standards.
Compared with many peers, the firm’s service and fee menu is notably flexible: in addition to AUM‑based management and negotiated retainers, it offers hourly and project‑based planning engagements, an arrangement that is uncommon among investment managers. The practice operates as an independent, fee‑only adviser that does not take commissions or soft dollars, does not custody client assets, and places trades through independent custodians.
Client services
Expertise
Fee options
Negotiated flat fee for asset management and financial planning services, invoiced quarterly or semi-annually on a pro-rata basis
$0 - $1,000,000: 0.75% $1,000,000 - $2,000,000: 0.50% $2,000,000+: 0.30%
$150 per hour
Account minimum: $50,000 Minimum fee: $250 quarterly / $1,000 annually Fee-only: All services are fee-only; no commissions, finder’s fees or referral fees
Main office
Beverly MA
Advisors at this office
1
Most active in
Massachusetts
Also doing business as
Christopher Investment Advisors · Sadkowski Christopher George
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.
Forms ADV
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