Wellesley, MA The Wellesley Office Park Office

Fairfield Financial Advisors is a fee‑only, SEC‑registered investment adviser that provides personalized financial planning and discretionary investment management to individuals, families, trusts, estates, and certain institutional clients. Services described in the brochure include cash‑flow and tax planning, retirement and estate planning, and ongoing portfolio management for accounts held at qualified custodians.

The firm follows a strategic asset allocation approach grounded in fundamental analysis, deploying primarily no‑load mutual funds, individual common stocks, fixed income securities, and exchange‑traded funds, with most trading executed through Charles Schwab. Fairfield manages accounts on a discretionary basis when agreed, documents objectives in investment policy statements, and conducts periodic reviews to monitor progress and risk.

What is distinctive for a firm of this size is its explicit work with pooled/plan‑type clients—Fairfield advises pension and profit‑sharing plans and may act as trustee for certain accounts, a role that creates limited custody arrangements and annual surprise examinations by an independent accountant. The brochure also discloses recent enhancements to administrative technology, including cloud‑based and AI‑powered tools used for back‑office functions while stating that all investment decisions are made by firm personnel rather than automated algorithms.