Pembroke, MA Office

F.L. Putnam serves a broad mix of individual and institutional clients, providing discretionary and non-discretionary investment management, financial planning, OCIO-style advisory, separately managed accounts, family office solutions, and consulting through FLP Atrato Consulting. Its client base explicitly includes registered investment companies, other registered investment advisers, foundations, endowments, schools, and religious organizations in addition to individual and high‑net‑worth clients.

The firm builds customized portfolios using internally managed strategies and third‑party managers across equities, fixed income, and alternative asset classes, with a strategic asset allocation framework and room for tactical adjustments. FLP describes specific offerings such as Optimized Indexing, short‑duration and tax‑aware fixed income strategies, and the use of AI tools for limited research support while stating AI outputs do not replace human investment decision‑making.

Several features distinguish FLP from many multi‑team peers: it is the investment adviser to the AOG Institutional Fund (AOGFX), an interval fund that invests in private and illiquid alternative assets and which FLP may select for client accounts; it also wholly owns Darwin Trust Company of New Hampshire, LLC, which provides trust, custody, and tax services (a potential conflict disclosed in the brochure). The firm notes recent material changes—including a merger that changed predecessor ownership and formalized policies on AI—and provides periodic reports on socially responsible investing considerations for clients.