Crystal Capital Management Corporation
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Crystal Capital Management provides financial planning and investment management to individuals, pension and profit‑sharing plans, and small businesses, offering services that include cash‑flow, tax, retirement, estate planning and hourly planning engagements. The firm primarily serves individual (non‑high‑net‑worth) clients and bills clients by a percentage‑of‑assets model while also facilitating insurance and annuity transactions for which it may receive commissions.
Investment portfolios are managed on a non‑discretionary basis, with the firm placing trades only after client approval and often operating under a limited power of attorney to execute those approved trades. The firm emphasizes strategic asset allocation using a core‑and‑satellite framework that favors low‑cost, no‑load mutual funds and ETFs, a passive long‑term buy‑and‑hold orientation, and periodic rebalancing.
Distinctive aspects include a combination of fee‑based advisory services with insurance/annuity commission activity and principals who maintain accounting credentials, reflecting an integration of advisory and accounting expertise in client work. It is also notable that, unlike many peers, all managed assets are handled non‑discretionarily, the firm does not vote proxies, and custody and trade execution are left to unaffiliated custodians.
Client services
Expertise
Fee options
$0 - $500,000: 1.00% $500,000 - $1,000,000: 0.80% $1,000,000 - $2,000,000: 0.60% $2,000,000+: 0.50%
Commissions received from sales of insurance and annuities.
Hourly planning engagements billed at rates: CFP $200/hour, FA $125/hour, Paraplanner $75/hour.
Fee-only: Financial planning hourly rates: CFP $200/hour, FA $125/hour, Paraplanner $75/hour; fees negotiable; financial plan deposit lesser of $500 or half of estimated fee range at signing; fees paid as services are rendered.
Main office
99 Walnut Street, Suite A
Saugus MA 01906
Advisors at this office
2
Most active in
Massachusetts · New Hampshire
Also doing business as
Burton, William Lawrence · Crystal Capital Management Corporation · William Burton
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.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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
Quick links
Advisors at this firm
Harold Z
Series 63, Series 65
Saugus, MA
Crystal Capital Management Corporation
Harold Zazula is a financial advisor with Crystal Capital Management Corporation in Saugus, MA, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior work includes roles at GWFS Equities, Stratos Wealth Partners, LPL Financial LLC, and New York Life Securities. Crystal Capital Management Corp. provides personalized financial planning and investment management to individuals, pension and profit-sharing plans, and small businesses. The firm manages approximately $35 million for about 90 clients, focusing on a non-discretionary, core-and-satellite investment approach using low-cost mutual funds and ETFs, with services that include comprehensive and hourly financial planning.
William B
CFP®, Series 63, Series 65
Saugus, MA
Crystal Capital Management Corporation
William Burton is a CFP® with 26 years of industry experience and has operated Wm L. Burton CPA since 1980. He is associated with Crystal Capital Management Corporation, a firm where he combines his accounting background with financial advisory services. Crystal Capital Management provides financial planning and investment management primarily to individual clients, pension and profit-sharing plans, and small businesses. The firm employs a non-discretionary investment approach focused on strategic asset allocation using low-cost, no-load mutual funds and ETFs within a core-and-satellite framework.
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