Income Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm offers discretionary asset management, comprehensive and hourly financial planning, and retirement-plan advisory services to individuals, high‑net‑worth clients, and business entities. It also provides ERISA plan services as a limited‑scope 3(21) fiduciary for employer‑sponsored retirement plans, including 401(k), 403(b), pension and profit‑sharing plans.
The investment approach is client‑specific and discretionary, emphasizing asset allocation, portfolio monitoring, and a mix of fundamental, technical and quantitative analysis to match stated goals and risk tolerance. The firm commonly implements strategies by subscribing to third‑party model portfolios and engaging sub‑advisors and managed programs (via platforms such as a model marketplace, Orion Portfolio Solutions, Dunham & Associates, and American Funds), while retaining responsibility for suitability and ongoing oversight.
Noteworthy for a solo independent adviser, the principal also operates as a licensed insurance agent and receives commissions on insurance product sales (about 30% of the principal’s time), a relationship disclosed as a potential conflict of interest. For a small firm managing roughly $11 million for about 80 clients, the combination of ERISA 3(21) pension consulting, commissionable insurance activities, and extensive use of multiple outsourced model and sub‑advisor platforms is uncommon among peers.
Client services
Expertise
Fee options
Basic Financial Planning fixed fee of $2,000.
$0 - $100,000: 1.7% $100,000.01 - $250,000: 1.6% $250,000.01 - $1,000,000: 1.5% $1,000,000.01 - $2,000,000: 1.0% $2,000,000.01 - $3,000,000: 0.7% $3,000,000.01 - $4,000,000: 0.6% $4,000,000.01 - $5,000,000: 0.5% $5,000,000.01 - $6,000,000: 0.4% $6,000,000.01+: 0.3%
Advisors receive commissions on insurance products sold as licensed insurance agents.
Hourly Consultation Services at $400 per hour.
Account minimum: $50,000
Main office
57 Maple Ave, Suite 104
Barrington RI 02806
Advisors at this office
1
Most active in
Massachusetts · Rhode Island
Also doing business as
Income Associates · Jamiel Financial Advisors, LLC
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.
Forms ADV
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