Financial Solutions Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Solutions Associates is an SEC‑registered advisory firm that provides personalized financial planning and discretionary investment management to individuals, high‑net‑worth clients, trusts and estates, small businesses, retirement plan participants and charitable organizations. The firm manages approximately $172 million in discretionary assets for about 270 clients and delivers advice through periodic consultations and ongoing portfolio oversight.
The firm’s investment approach centers on strategic asset allocation with a core of actively and passively managed mutual funds and exchange‑traded funds, supplemented by tactical allocations intended to capture shorter‑term market opportunities; portfolios may be globally diversified and are periodically rebalanced to remain aligned with client objectives. Investment decisions are informed by fundamental economic analysis and mutual‑fund manager due diligence, and the firm employs both long‑ and short‑term trading strategies as appropriate to client goals and risk tolerances.
Noteworthy aspects of the firm include a small, two‑advisor practice with a long operating history that blends different generational experience levels and centralized account review processes. The firm does not participate in soft‑dollar arrangements, discloses no revenue from mutual fund companies, leaves proxy voting to clients, and uses custodian safeguards when facilitating client‑directed third‑party disbursements.
Client services
Expertise
Fee options
Fixed fees may be agreed upon in lieu of hourly rate for financial planning
$0 - $99,999: 1.50% annually $100,000 - $999,999: 1.00% annually $1,000,000 - $4,999,999: 0.85% annually $5,000,000+: 0.75% annually
$300 per hour for financial planning services
Account minimum: $200,000 Fee-only: Financial planning services at $300/hour; fixed fees may be agreed upon as alternative to hourly rate; financial planning generally no additional charge for existing investment advisory clients.
Main office
990 Washington Street
Dedham MA 02026
Advisors at this office
2
Most active in
California · Florida · Maine · Massachusetts · New Hampshire · New York · Texas · Virginia
Also doing business as
Financial Solutions Associates · Goverman Financial Solutions, LLC · Goverman, Barnet
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Advisors at this firm
Brett G
CFP®, Series 65
Dedham, MA
Financial Solutions Associates
Brett Goverman is a CERTIFIED FINANCIAL PLANNER™ professional with 10 years of industry experience, currently serving at Financial Solutions Associates since 2016. He holds the Series 65 designation and works out of Dedham, MA. Financial Solutions Associates is an SEC-registered advisory firm that provides personalized financial planning and discretionary investment management to individuals, high-net-worth clients, trusts and estates, small businesses, retirement plan participants, and charitable organizations. The firm manages approximately $172 million in discretionary assets, employing a strategic asset allocation approach that combines actively and passively managed funds, tactical allocations, and periodic portfolio rebalancing.
Barnet G
CFP®, Series 63
Dedham, MA
Financial Solutions Associates
Barnet Goverman is a CFP® with over 32 years of experience in financial advising. He has been with Financial Solutions Associates since 1993. Financial Solutions Associates is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, small businesses, retirement plan participants, and charitable organizations. The firm manages approximately $172 million in discretionary assets using a strategic asset allocation approach that includes both active and passive mutual funds and ETFs, supplemented by tactical allocations and global diversification.
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