Smarter Bear Financial Advisory
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Occupation focus
Demographic focus
Fee options
$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
$100,000 - $999,999: 1.00% annually $1,000,000 - $4,999,999: 0.80% annually $5,000,000+: Custom
Up to $500/hour for principals; up to $100/hour for staff
Account minimum: $100,000 Minimum fee: Minimum annual fee of $1,200 for investment advising
Main office
Swampscott MA
Advisors at this office
2
Most active in
Massachusetts · New Hampshire
Also doing business as
Smarter Bear Financial Advisory · Smarter Bear 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
Advisors at this firm
Duncan P
CFP®, 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.
Lawrence D
CFP®, 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.
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