Newton, MA Office

Family Fiduciary Services, Inc. serves individuals (including high‑net‑worth clients), corporations, trusts, foundations, and sponsors of participant‑directed retirement plans. The firm provides discretionary investment management, modular or comprehensive financial planning, and 401(k) plan advisory services, and it can add optional trustee, bill‑paying, and tax‑organization services to managed accounts.

The firm implements investment decisions on a discretionary basis through an investment committee and constructs portfolios around a client’s risk profile and one of four target allocation guidelines (income, moderate, growth, aggressive). FFSI emphasizes long‑term asset allocation, diversification, and tax sensitivity, and may use direct indexing through Fidelity Institutional Wealth Advisor LLC as a sub‑adviser to manage tax‑aware equity sleeves.

Distinctive features include the firm’s ability to act as a corporate trustee and to provide bill‑paying and tax‑organization services—services that can create custody considerations and are less common among peers. FFSI also provides ERISA Section 3(21) non‑discretionary advisory services to 401(k) plan sponsors, directs custody and execution to Fidelity (and discloses related platform benefits), and discloses relationships with a sub‑adviser and referral sources as potential conflicts of interest.