Watertown, MA Office

The firm serves individual and high‑net‑worth clients as well as employer‑sponsored retirement plans, offering discretionary portfolio management alongside both comprehensive ongoing and limited‑scope financial planning. It also provides tax preparation as a separate, fee‑for‑service offering performed by supervised firm personnel.

The investment approach is asset‑allocation driven, emphasizing diversification, the identification of broad sources of return (asset class, geographic and factor exposures), and attention to cost and tax efficiency while tailoring allocations to clients’ time horizons and human capital. For implementation the firm uses a blend of fundamental analysis and technical, cyclical and charting methods and typically manages client accounts on a discretionary basis.

Distinctive features include an ongoing subscription‑style comprehensive planning service with active implementation and monitoring alongside project engagements, and an in‑house tax preparation capability that the firm reports consumes a meaningful portion of principals’ time. The firm’s leadership holds professional credentials (CFP and an Enrolled Agent), and it also provides ERISA‑related advisory services to plans while excluding certain non‑public and illiquid assets from those engagements.