Merrimack Valley Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$41,524,140
Clients
246
Advisors
3
of 3 employees
About
Merrimack Valley Financial Advisors serves individual clients (including high-net-worth households) and institutional clients such as pension, profit-sharing and 401(k) plans, providing discretionary portfolio management, model portfolio management, pension consulting and comprehensive financial planning. The firm offers both customized portfolios built from client-specific investment policies and model asset-allocation portfolios, and provides plan-level services such as Investment Policy Statement preparation, investment vehicle selection, ongoing monitoring and participant education for self-directed plans.
The firm’s process begins with in-depth client discussions to establish objectives, time horizon, risk tolerance and tax considerations, and implements discretionary strategies guided by those inputs; analysis methods include fundamental, quantitative and qualitative research, asset allocation and a long-term purchase orientation, with monthly reviews and annual rebalancing. For model portfolios, suitability is assessed up front and accounts are generally managed to the model’s goal rather than fully individualized allocations, with quarterly outreach and at least annual suitability contact.
What is noteworthy for a firm of this size is its affiliation with an accounting practice (McLarney & Company, LLC) whose principals are also involved in the advisory business and routinely cross-refer clients, a relationship the firm discloses and addresses through conflict-management procedures. The firm’s personnel are also registered representatives of a broker-dealer and licensed insurance agents, and the brochure discloses that some clients may execute recommended transactions through those associated persons (including commission-based trades and potential fee offsets), a practice that is uncommon among peer supported firms.
Client services
Expertise
Fee options
Financial Planning fixed fees typically range from $500 to $2,500; fixed fees for portfolio and model portfolio management range from $500 to $5,000
Less Than $1,000,000 - $1,000,000: 1.00% Greater than $1,000,000+: Negotiated Less Than $3,000,000 - $3,000,000: 1.00% Greater than $3,000,000+: Negotiated
Separate commissions earned by associated persons acting as registered representatives or insurance agents, commissions are separate and distinct from advisory fees
Financial Planning fees range from $125 to $250 per hour
Minimum fee: Fixed fees ranging from $500 to $5,000 for portfolio and model portfolio management services; minimum fee of $2,500 for pension consulting services Fee-only: Financial Planning fees charged hourly ($125 to $250 per hour) or fixed fee ($500 to $2,500), fees agreed upon prior to contract
Main office
6 Courthouse Lane, Unit 15
Chelmsford MA 01824
Advisors at this office
3
Most active in
Massachusetts · New Hampshire
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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
Advisors at this firm
Brian M
Series 63, Series 66
Chelmsford, MA
Merrimack Valley Financial Advisors, Inc.
Brian Mc Larney is a financial advisor with Merrimack Valley Financial Advisors, Inc. He holds Series 63 and Series 66 licenses and has eight years of experience in the industry. His prior work includes roles at Edward Jones and FIDELITY Brokerage Services LLC. Merrimack Valley Financial Advisors serves both individual and institutional clients, offering discretionary portfolio management, model portfolios, pension consulting, and comprehensive financial planning. The firm uses a process based on client objectives and risk tolerance, employing fundamental, quantitative, and qualitative research with ongoing monitoring and rebalancing.
Kyle G
Series 63, Series 65
Chelmsford, MA
Merrimack Valley Financial Advisors, Inc.
Kyle Gavin is a financial advisor at Merrimack Valley Financial Advisors, Inc. with one year of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Merrimack Valley Financial Advisors, he worked at McLarney & Company LLC for five years and completed full-time education at Merrimack College. Merrimack Valley Financial Advisors serves individual and institutional clients, offering discretionary portfolio management, model portfolios, pension consulting, and comprehensive financial planning. The firm combines customized and model-based investment solutions with an investment process that includes fundamental, quantitative, and qualitative research, and maintains an affiliation with an accounting firm for client referrals.
Brian M
Series 63, Series 65
Chelmsford, MA
Merrimack Valley Financial Advisors, Inc.
Brian Mclarney is a financial advisor with Merrimack Valley Financial Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Purshe Kaplan Sterling Investments since 2003 and has been with Merrimack Valley Financial Advisors since 1998. In addition, he is president and sole shareholder of McLarney & Company, a CPA firm in Chelmsford, MA. Merrimack Valley Financial Advisors serves individual and institutional clients, including high-net-worth households and pension plans, providing discretionary portfolio management, model portfolio management, pension consulting, and comprehensive financial planning. The firm uses a client-centered process incorporating fundamental, quantitative, and qualitative research with regular portfolio reviews and rebalancing.
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