Marblehead, MA Office

Vital Investment Management is an SEC-registered advisory firm with a five-advisor team managing roughly $284 million for a mix of individual and high-net-worth clients. The firm offers asset management (discretionary and non-discretionary), written and modular financial planning, ongoing monthly planning engagements, and pension consulting for plan sponsors and participants.

The firm follows a value-oriented, long-only core strategy combined with strategic and tactical asset allocation, including model-driven tactical overlays derived from Ned Davis Research and portfolios built primarily with ETFs and mutual funds (with occasional use of interval funds and private placement recommendations where suitable). Vital integrates planning tools such as eMoney and Holistiplan, uses a third-party platform to review and manage held-away retirement accounts, and has implemented AI tools to support research, due diligence and operational functions with human review and controls.

Compared with many peers, Vital regularly provides impersonal educational seminars and free workshops for the public, associations, family foundations and employers and explicitly includes employee communications and participant education in its pension work. The firm also engages an outside consultant for complex financial and tax planning at the firm’s expense, discloses its operational use of AI, and maintains processes for connecting and monitoring held-away plan assets — features that are less common among similar-sized team advisory firms.