Stow, MA Office

Personal CFO Solutions serves individuals (including high-net-worth clients), retirement plans, trusts, estates and business clients, providing comprehensive financial planning and consulting alongside discretionary portfolio management. Services described in the brochure include investment planning, income tax planning and preparation, estate and wealth transfer planning, insurance reviews, cash-flow and retirement modeling, the firm’s wrap-fee Personal CFO Managed Portfolios, allocations to independent managers, and occasional 401(k) consulting.

The firm delivers ongoing, fiduciary financial planning tied to a documented suitability assessment and regular client reviews, and provides discretionary management that emphasizes long-term purchases with tactical short-term trading when appropriate. For manager-driven allocations it uses Envestnet screening (alpha and Sharpe sorting, up/down capture review) and a formal investment committee vote to add or remove independent managers, and it discloses use of third‑party models and short‑term technical/cyclical analysis.

Compared with many team firms, Personal CFO discloses that it is the sponsor and manager of a wrap-fee program and that a portion of wrap fees is retained by the firm, and several of its advisors are licensed insurance agents while a firm-affiliated registered representative may receive ongoing 12b‑1 or other compensation for product sales. The brochure also highlights leverage-related risks and reliance on third‑party research and broker-custodian benefits (including monetary assistance received from a custodian), items the firm discloses as potential conflicts and operational distinctions relative to peers.