Saratoga Investment Solutions Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$38,600,000
Clients
49
45% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
49
HighAverage account size
$787,755
About
Saratoga Investment Solutions provides comprehensive financial life planning and investment advisory services to individuals (including non‑high‑net‑worth and high‑net‑worth clients) and certain businesses, addressing retirement, income distribution, estate and elder‑care planning. The firm offers individualized portfolio management, financial planning and consulting engagements that result in written plans and recommended implementations.
The firm develops personal investment policies using fundamental, quantitative and qualitative analysis and delivers recommendations and implementation on a non‑discretionary, client‑directed basis, with account supervision guided by stated objectives, tax considerations and any client‑imposed restrictions. Reviews and reporting are client‑driven — the adviser recommends semi‑annual reviews but implements them at the client’s request — and the firm operates as a fee‑only fiduciary that does not accept commissions or referral fees.
Distinctive among peers, the firm reports managing essentially all assets on a non‑discretionary basis (approximately $38.6 million) and does not rely on percentage‑of‑AUM fees; instead it uses retainer and hourly billing and does not utilize wrap fee or separately managed account programs. The firm also relies on an institutional custody platform and block trading for execution while leaving custody and proxy voting responsibility with clients, which reflects a boutique, implementation‑neutral model.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Retirement income strategy
Elder care planning
Cash flow / budgeting
Fee options
$350 per hour for planner hours; $125 per hour for administrative tasks
Fee-only: Hourly fees for financial planning and consulting: $350 per hour for planner hours; $125 per hour for administrative tasks. Retainer fee for investment advisory services based on estimated number of hours, negotiable, billed quarterly in equal payments.
Main office location
Saratoga Investment Solutions Inc.
60 Railroad Place, Suite 206
Saratoga Springs NY 12866, United States
Number of offices
1
Most active in
Saratoga Investment Solutions Inc. has reported serving >5 clients in these states in the last 12 months.
New York
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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.
-
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.
-
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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