Commonwealth Family Office

Commonwealth Family Office provides discretionary wealth management, financial planning, and retirement plan advisory services to individuals, high-net-worth clients, trusts, estates, and businesses. Offerings include portfolio management that relies primarily on ETFs and low‑cost mutual funds, stand‑alone financial planning engagements, and 3(21) retirement plan advisory work for plan sponsors.

The firm operates as a fiduciary and generally pursues a long‑term investment approach while employing both fundamental and technical analysis; it may trade more frequently to rebalance, address tax or cash needs, or respond to market conditions. Commonwealth Family Office may also allocate portions of client portfolios to unaffiliated independent managers and conducts ongoing oversight of those managers, and it generally recommends an institutional custodian relationship through Schwab Advisor Services.

Notable features disclosed in the brochure include that the firm is newly formed in 2025 and, as of December 31, 2025, reported no assets under management and no client accounts while maintaining a stated minimum relationship size that can be waived. The firm has reorganized as an LLC, discloses outside business activities (real estate holdings management and a retail advisory role, each under five percent of time), and reports receiving non‑cash economic benefits from its recommended custodian, all of which are addressed through its code of ethics and conflict‑of‑interest disclosures.