Saranac Lake, NY Office

Silver Grove Advisory Services provides investment management, financial planning, retirement plan consulting, and related advisory services to individuals, high‑net‑worth clients, trusts, estates and business plan sponsors. The firm manages discretionary portfolios and supports estate‑planning and tax‑related work as part of comprehensive planning for a client base served by a team of advisors and roughly $453.6 million in assets under management.

The firm’s investment approach is primarily long‑term and customized, emphasizing diversified allocations built from low‑cost mutual funds and ETFs and, where appropriate, individual stocks, bonds and options, with ongoing monitoring and rebalancing. Silver Grove implements strategies through multiple third‑party platforms and independent managers — including LPL’s Strategic Wealth Management accounts, model portfolio and robo‑advisory programs, and sponsored programs from SEI, Orion, AssetMark, LVZ and Betterment — and may exercise discretionary authority for trading and periodic account reviews.

Noteworthy distinctions disclosed in the brochure include an affiliation between the firm’s owners and an affiliated tax and accounting practice (Sterling Tax & Accounting, Inc.) and that certain advisory personnel are licensed insurance agents, both of which can generate separate compensation and are identified as potential conflicts of interest. The firm also describes institutional relationships with custodians and platform sponsors that provide software and other benefits, and it discloses LPL account arrangements (including cases where the firm or an advisory person pays transaction charges) while stating it does not sponsor a wrap fee program and does not take custody of client assets except for authorized fee deduction.