Sheltered Garden Financial Group LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sheltered Garden serves individuals, high-net-worth individuals, trusts and estates with discretionary wealth management, comprehensive financial planning, investment consulting, and tax-preparation services. The firm primarily charges percentage-of-AUM advisory fees for managed accounts and also offers fixed-fee investment consulting and standalone hourly tax-preparation engagements.
The firm’s investment process emphasizes fundamental analysis and a predominantly long-term orientation, building portfolios chiefly from individual stocks and bonds while using ETFs and mutual funds for diversification and tax-aware positioning. Client accounts are managed on a discretionary basis under written agreements with regular monitoring and at least annual formal reviews; the advisor may retain legacy holdings and execute shorter-term trades when needed to meet objectives or tax goals.
What is distinctive about Sheltered Garden is its recent formation and relatively small discretionary asset base, combined with the principal’s substantial outside employment as a commercial credit analyst at a bank (reported to occupy roughly 90% of monthly time) alongside providing tax-preparation services (about five hours per month). The firm discloses these outside activities as potential conflicts and participates on an institutional custodian platform that provides technology and service benefits; it also offers an unusually wide fixed-fee consulting range (up to $50,000) for a firm of its size.
Client services
Expertise
Fee options
$0 - $500,000: 1.25% $500,001 - $1,750,000: 1.00% $1,750,001 - $5,000,000: 0.75% $5,000,001+: 0.50%
Tax preparation services offered standalone at $100/hour, negotiable based on complexity
Fee-only: Fixed investment consulting fees ranging from $1,000 to $50,000, typically negotiated per engagement; Hourly tax preparation services at $100/hour, fees may be negotiable
Main office
Boxborough MA
Advisors at this office
1
Most active in
Massachusetts
Also doing business as
Sheltered Garden Financial Group LLC · Sheltered Garden Financial Group, 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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