Golden Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Golden Financial Services provides investment advisory and financial planning to individuals (including high‑net‑worth clients), trusts, estates, charitable organizations, foundations, endowments, corporations and other business entities. The firm offers discretionary portfolio management and limited consulting on topics such as estate, retirement, tax, insurance and annuity matters, and manages roughly $64.1 million on a discretionary basis.
Portfolios are individualized and typically constructed primarily with mutual funds, ETFs and bond funds, but may also include individual equities, fixed‑income securities and margin transactions when appropriate; accounts are generally reviewed and rebalanced on a quarterly basis. The firm relies on both fundamental and technical analysis, may recommend separately managed accounts, and can identify independent third‑party managers to implement particular strategies.
A notable feature disclosed in the brochure is that the firm’s principal is a licensed insurance agent who can implement insurance and annuity products (including life, term, long‑term care and fixed annuities) for which separate, customary compensation is received, and insurance activities consume under 10% of the adviser’s time—an arrangement the firm acknowledges creates a potential conflict of interest. The brochure also discloses that the firm requests clients direct custody to a recommended qualified custodian and receives institutional services from that custodian, which the firm identifies as an economic benefit that could influence custodial recommendations.
Client services
Expertise
Fee options
Fixed fees for consulting services; 50% due upon signing, balance due upon presentation; subject to negotiation
$0 - $99,999: 1.50% $100,000 - $499,999: 1.25% $500,000 - $999,999: 1.00% $1,000,000 - $2,999,999: 0.75% $3,000,000+: Negotiable null - null: 0.50% (All Charitable Trusts)
$150 to $250 per hour
Main office
One New Hampshire Ave, #125
Portsmouth NH 03801-2907
Advisors at this office
1
Most active in
Maine · New Hampshire
Also doing business as
Golden Financial Services · Krespach, Craig Alan
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.
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