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Merrimack Valley Financial Advisors, Inc.

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Client assets under management

$41,524,140

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Clients

246

4% high-net-worth

Advisors

3

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

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Clients per advisor

82

High

Average account size

$168,797

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

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning Income planning

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Fee options

Fixed

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

Percentage

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

Commissions

Separate commissions earned by associated persons acting as registered representatives or insurance agents, commissions are separate and distinct from advisory fees

Project-based

Financial Planning fees range from $125 to $250 per hour

Other

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 location

Merrimack Valley Financial Advisors, Inc.

6 Courthouse Lane, Unit 15

Chelmsford MA 01824, United States

Number of offices

2

Most active in

More info

Massachusetts · New Hampshire

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

978-453-2222

Advisors at this firm

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Brian M

Series 63, Series 66

Chelmsford, MA

Merrimack Valley Financial Advisors, Inc.

Brian Mc Larney is a financial advisor at Merrimack Valley Financial Advisors, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Edward Jones and FIDELITY Brokerage Services LLC. Merrimack Valley Financial Advisors serves individual and institutional clients, offering discretionary portfolio management, model portfolios, pension consulting, and comprehensive financial planning. The firm emphasizes client-specific investment policies and uses fundamental, quantitative, and qualitative research to guide long-term investment strategies.

General retirement planning Income planning
user avatar

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 previously worked for McLarney & Company LLC for five years and completed his education full-time at Merrimack College. He holds the Series 63 and Series 65 designations. Merrimack Valley Financial Advisors serves individual and institutional clients, providing discretionary portfolio management, pension consulting, and comprehensive financial planning. The firm utilizes a process based on client objectives, risk tolerance, and tax considerations, employing fundamental, quantitative, and qualitative research to guide long-term investment strategies.

General retirement planning Income planning
user avatar

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.

General retirement planning Income planning
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