Commonwealth Guardians
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$14,631,000
Clients
96
0% high-net-worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
96
Very HighAverage account size
$152,406
About
The firm provides discretionary asset management through a third‑party platform (Orion Portfolio Solutions) and offers portfolio management to individuals, high‑net‑worth individuals, trusts, and estates, overseeing roughly $14.6 million in client assets. It operates under written agreements with the platform and charges an assets‑under‑management advisory fee rather than performance‑based compensation.
Investment programs are tailored to each client’s goals, time horizon, and risk tolerance and draw on fundamental and cyclical analysis as well as modern portfolio theory; strategist models on the OPS platform are used for day‑to‑day portfolio management and the firm conducts periodic reviews that include allocation and tax‑loss harvesting considerations. The firm acts with discretionary trading authority on client accounts and documents client restrictions and objectives in client files.
Distinctive features include the firm principal’s ongoing activity as an independent insurance agent, which generates commission compensation disclosed in the brochure and identified as a potential conflict of interest subject to firm policies and client disclosures. The firm also relies on third‑party strategists and the OPS platform for portfolio models, does not aggregate trades across client accounts, and does not vote client proxies, which concentrates several operational functions outside the firm in ways that differ from many peers.
Client services
Portfolio management
Selection of other advisers
Expertise
Active portfolio management
Fee options
1.25% annually
Advisors receive commissions from sales of investment-related products such as insurance
Minimum fee: OPS Annual Sleeve Minimum Fee: $75 for each account or sleeve in a Client household with less than $100,000
Main office location
Commonwealth Guardians
Needham MA, United States
Number of offices
1
Most active in
Commonwealth Guardians has reported serving >5 clients in these states in the last 12 months.
Massachusetts · Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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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