Cambridge, MA Office

Pinney & Scofield provides investment management combined with financial planning to individuals, families, trusts, and charitable organizations, and also offers stand‑alone planning and consulting engagements. It serves both non‑HNW and high‑net‑worth clients on a fee‑only, primarily discretionary basis and documents portfolio objectives in a signed Investment Policy Statement.

The firm follows an efficient‑markets, long‑term approach, building broadly diversified portfolios using index and factor mutual funds and ETFs, rebalancing periodically rather than attempting market timing. It may allocate to DFA funds and unaffiliated independent managers, treats cash and tax considerations as part of portfolio management, and does not exercise discretionary authority to purchase cryptocurrencies directly.

Pinney & Scofield reports approximately $858.7 million in discretionary assets under management with a relatively small advisory team, producing an AUM‑per‑advisor level above $200 million — a configuration that is uncommon among team firms. The firm also aggregates workplace retirement plan assets through third‑party platforms (e.g., ByAllAccounts) for inclusion in managed assets and discloses operational features such as DFA fund transfer restrictions, proxy‑voting services, and explicit limits on direct cryptocurrency investments that distinguish its practices from many peers.