Saco River Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Saco River Financial Planning works primarily with middle‑income individuals and families and also provides advisory services to trusts, estates, charitable organizations, and small businesses. The firm offers comprehensive financial planning across topics such as budgeting, retirement planning, tax and estate considerations, long‑term care, insurance review, education funding, and investment review and implementation.
Clients can engage the firm through hourly, fixed‑fee, annual retainer, or asset‑based investment management arrangements, and the adviser generally operates on a largely non‑discretionary basis unless a discretionary trading authorization is executed. Investment analysis uses a mix of fundamental and technical methods with an overall bias toward longer‑term holdings, while custodial relationships and trade execution are directed by clients and reviewed periodically.
A distinctive feature of the firm is that most assets are managed non‑discretionarily, a practice that is relatively uncommon among independent advisers and preserves client control over transaction approval. The brochure also discloses a separation between fee‑based securities advice (no commissions on securities) and insurance product implementation (insurance sales may generate commissions), with related conflicts of interest disclosed and governed by CFP Board standards.
Client services
Expertise
Demographic focus
Fee options
Fixed fees negotiated based on scope of work; deposit required; balance due on completion.
Under $20,000 - $20,000: Minimum fee of $275 $20,001 - $50,000: 1.25% $50,001 - $250,000: 1.15% $250,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.90% Over $3,000,000+: 0.80%
Commission may be received from insurance product sales separate from advisory fees.
Hourly rates range from $206 to $325 per hour based on complexity.
Account minimum: No minimum asset requirement stated; however, a minimum annual fee of $275 applies for portfolio management. Minimum fee: Minimum fee of $275 annually for portfolio management Fee-only: Fees charged on assets under management; no commissions on securities; commissions may be received on insurance products separately.
Main office
Bartlett NH
Advisors at this office
1
Most active in
Maine · New Hampshire
Also doing business as
Saco River Financial Planning · Saco River Financial Planning 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 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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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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