P
Perpetual Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
201
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
201
Average account size
$0
About
Perpetual Financial is a single‑adviser independent advisory firm that serves individuals (including both high‑net‑worth and non‑HNW clients), corporations, pension and profit‑sharing plans, trusts, estates, and charitable organizations. The firm provides advisory services by qualifying clients for, recommending, and monitoring third‑party managed program services (including SEI programs and a SIMCO tax‑controlled subadvisory option) rather than directly providing portfolio management.
The firm collects client financial and suitability information, assists with manager selection and account enrollment, and conducts periodic oversight and client reviews while leaving portfolio construction, discretionary trading, and custody to the third‑party managers and custodians. Clients receive reporting and account statements from the selected managers/custodians, and Perpetual Financial’s role centers on selection, monitoring, and client communication.
Notable distinctions include the sole advisory representative’s dual registration with a broker‑dealer and licensure to sell insurance, which the brochure discloses can result in both advisory compensation and commissions for securities and insurance sales, and related revenue‑sharing and supervisory arrangements. The firm operates as a high‑client‑load solo practice (over 200 client relationships) and discloses a 2023 consented administrative fine related to a late registration in Florida, items the brochure identifies as potential conflicts of interest to consider.
Client services
Selection of other advisers
Expertise
Tax-loss harvesting
Passive / index investing
Wealth management
Fee options
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.80% $2,000,001 - $3,000,000: 0.60% $3,000,001+: 0.40%
Commissions earned on purchase of securities and insurance products; advisory fees charged for third-party managed program services.
Account minimum: $50,000 (typical minimum for most management programs except SIMCO Tax-Controlled Program and retirement plans)
Main office location
Perpetual Financial
432 Cherry Street Suite 210
West Newton MA 02465, United States
Number of offices
1
Most active in
Perpetual Financial has reported serving >5 clients in these states in the last 12 months.
Florida · Massachusetts · New Hampshire · Pennsylvania · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
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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