Cutter Financial Group LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$216,894,236
Clients
520
Advisors
3
of 6 employees
About
Cutter Financial Group advises individuals, high-net-worth individuals, trusts, estates and charitable organizations and provides investment and retirement-related planning services, including income planning (Social Security and pension analysis), investment planning, legacy planning, risk management, and advanced tax considerations. The firm offers portfolio management for individual clients and generally charges asset-based advisory fees rather than hourly or fixed fees.
The firm follows a risk-first approach focused on clients’ retirement income needs and commonly implements model mutual-fund portfolios provided by a third-party manager, while also using sub‑advisory and third‑party asset management programs when appropriate. Cutter typically manages client accounts on a discretionary basis after a goals-and-needs analysis and may recommend insurance products, including annuities, as part of an overall plan when the firm deems them suitable.
Distinctive features include an affiliated insurance agency through which some firm representatives are licensed to sell insurance products and receive commissions and other inducements, and the firm’s disclosed practice of using client endorsements or testimonials and compensated solicitors in its marketing. The brochure also discloses a recent SEC enforcement matter related to disclosure practices concerning annuity compensation that resulted in a final judgment with civil penalties and injunctive relief, and the firm discloses and says it mitigates related conflicts through disclosure, client‑specific analyses and compliance oversight.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
1.00% to 2.00% annually, negotiable and based on scope, complexity, and assets
Commissions received from insurance products sold through affiliate Cutterinsure; commission amounts vary by product and carrier
Minimum fee: Annual technology fee charged per account: $35 for accounts up to $49,999; $60 for $50,000 to $99,999; $100 for $100,000 and over
Main office
84 Davis Straits
Falmouth MA 02540
Advisors at this office
3
Most active in
Connecticut · Florida · Massachusetts · New Hampshire · Texas
Also doing business as
Cutter Financial Group LLC · Schneider Wealth Management, LLC
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.
Quick links
Advisors at this firm
Jeffrey C
PFS™, Series 66
Falmouth, MA
Cutter Financial Group LLC
Jeffrey Cutter is a financial advisor with Cutter Financial Group LLC in Falmouth, MA, holding the PFS™ and Series 66 designations and having 19 years of industry experience. He has worked at Cutter Financial Group since 2006 and Precision Capital Management since 2015. Outside of advisory roles, he is involved in insurance and financial product sales through independent contracting arrangements. Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates, and charitable organizations. The firm employs a risk-first investment approach focused on retirement income needs and offers portfolio management primarily through mutual funds, with additional services including income, legacy, risk management, and advanced tax planning.
Ethan K
Series 66
Falmouth, MA
Cutter Financial Group LLC
Ethan Kapsambelis is a financial advisor at Cutter Financial Group LLC with five years of industry experience. He holds a Series 66 designation and has worked at Cutter Financial Group since 2022 and Wood Wealth Group since 2021. Outside of finance, he is involved in a custom cabinetry business where he manages project development and implements efficiency tools. Cutter Financial Group provides investment and retirement planning services to individuals, high-net-worth clients, trusts, estates, and charitable organizations. The firm emphasizes a risk-first approach focused on retirement income needs and employs model mutual-fund portfolios along with third-party asset management programs.
Jennifer F
Series 65
Falmouth, MA
Cutter Financial Group LLC
Jennifer Farrington is a Series 65-licensed advisor with Cutter Financial Group LLC, where she has worked since 2018. She has seven years of industry experience and also serves as the Associate Director of Regulatory Affairs for Associates of Cape Cod, Inc., a consulting role she has held since 2005. Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates, and charitable organizations. The firm employs a risk-first investment approach focused on retirement income needs and offers services including income planning, legacy planning, risk management, and portfolio management.
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