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Smarter Bear Financial Advisory

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Client assets under management

$49,889,710

Clients

41

0% high-net-worth

Advisors

2

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

More info

Clients per advisor

21

Low

Average account size

$1,216,822

About

Smarter Bear Financial Advisory provides Financial Life Planning and investment advising to individuals, trusts, and estates, with services that include comprehensive financial planning, retirement and estate planning, and portfolio management. The firm positions its work around personalized plans for clients who have complex asset situations such as pensions, private company stock, tangible non‑security assets, or ownership stakes in businesses.

The firm uses an asset‑allocation framework that explicitly incorporates non‑public and non‑securities assets alongside publicly traded securities, and offers both written financial plans and ongoing investment advising. Smarter Bear typically operates on a largely non‑discretionary basis—obtaining limited trading authority rather than broad discretionary control—and provides quarterly performance reports and at least annual in‑person reviews.

Smarter Bear’s principals are former senior executives in the high‑technology sector who also hold CFP credentials, and the brochure emphasizes serving clients with private‑company and other nonstandard asset considerations. The Form ADV notes the firm’s use of client testimonials in advertising and reports under $50 million in assets under management with a relatively small client roster, practices that are less common among similarly supported advisers.

Client services

Financial planning Portfolio management

Expertise

Business ownership considerations Retirement plans for business owners (SEP, solo 401k) Wealth management Tax strategies for small businesses General estate planning guidance

Occupation focus

Executive Technology Professional

Demographic focus

Mid-Career Professionals Established Professionals

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Fee options

Fixed

$2,500 to $5,000 for individuals/couples with less than $1 million in gross assets; $5,000 to $10,000 for individuals/couples with greater than $1 million in gross assets

Percentage

$100,000 - $999,999: 1.00% annually $1,000,000 - $4,999,999: 0.80% annually $5,000,000+: Custom

Project-based

Up to $500/hour for principals; up to $100/hour for staff

Other

Account minimum: $100,000 Minimum fee: Minimum annual fee of $1,200 for investment advising

Main office location

Smarter Bear Financial Advisory

Swampscott MA, United States

Number of offices

3

Most active in

More info

Massachusetts

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 7817753178

Advisors at this firm

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user avatar

Duncan P

Series 65

Swampscott, MA

Smarter Bear Financial Advisory

Duncan Perry is a financial advisor at Smarter Bear Financial Advisory with a Series 65 designation and two years of industry experience. Before joining Smarter Bear LLC, he worked at Numerated Growth Technologies, Klaviyo, and Charles River Development. He also provides executive management consulting for high-tech companies. Smarter Bear Financial Advisory offers Financial Life Planning and investment advising for individuals, trusts, and estates, focusing on clients with complex asset situations such as private company stock and business ownership stakes. The firm uses an asset-allocation framework that includes non-public and non-securities assets and typically operates on a largely non-discretionary basis.

Business ownership considerations Retirement plans for business owners (SEP, solo 401k) Wealth management Tax strategies for small businesses General estate planning guidance Executive Technology Professional Mid-Career Professionals Established Professionals
user avatar

Lawrence D

Series 65

Swampscott, MA

Smarter Bear Financial Advisory

Lawrence Derany is a financial advisor at Smarter Bear Financial Advisory with a Series 65 designation and two years of industry experience. Prior to joining Smarter Bear, he worked for ten years at Tibco Software Inc. He also engages in management consulting for high-tech firms specializing in software and data sciences. Smarter Bear Financial Advisory provides Financial Life Planning and investment advising to individuals, trusts, and estates, focusing on clients with complex asset situations such as pensions, private company stock, and ownership stakes. The firm integrates non-public and non-securities assets into its asset-allocation framework and typically operates on a largely non-discretionary basis.

Business ownership considerations Retirement plans for business owners (SEP, solo 401k) Wealth management Tax strategies for small businesses General estate planning guidance Executive Technology Professional Mid-Career Professionals Established Professionals
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