Estuary Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$14,022,200
Total clients
0
Total advisors
1
of 1 employees
Firm size
Investment Manager
May not manage individual clients
Average clients per advisor
0
Average account size
—
About
Although categorized as an investment manager that primarily handles pooled or institutional assets, the firm also provides portfolio management and financial planning services for individuals, high‑net‑worth clients, and small businesses; its service menu explicitly includes retirement plan advice, rollovers, and pension consulting. The brochure also describes complimentary educational workshops covering financial planning and investing topics as part of its client education offerings.
The firm takes a tailored, discretionary approach, establishing investment guidelines based on each client’s objectives, time horizon, and risk tolerance and implementing customized portfolios. Its investment process blends fundamental, technical/charting, and cyclical analyses and employs strategies such as core‑and‑satellite allocations and modern portfolio diversification, with quarterly reviews and rebalancing.
What is distinctive relative to peers is the combination of institutional investment management with pension consulting and public educational seminars—services that are uncommon for firms in this category—and an explicit emphasis on working with high‑net‑worth individuals despite its primarily pooled/institutional orientation. The firm is small and adviser‑led, and its principal holds the CFA charter and advanced academic credentials, which the brochure cites as informing the firm’s analytical approach.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
General retirement planning
Retirement income strategy
Cash flow / budgeting
Fee options
Financial planning fixed fees $1,500 to $5,000; Fixed fee $500 to $5,000 quarterly
$0 - $1,999,999: 1.0% annually $2,000,000+: 0.75% annually
$250 per hour, one-time (in arrears)
Minimum fee: Financial planning fixed fees range from $1,500 to $5,000 Fee-only: Financial planning fixed fees $1,500 to $5,000; Hourly fee $250 per hour; Fixed fee $500 to $5,000 quarterly
Main office location
Estuary Financial LLC
North Falmouth MA, United States
Number of offices
1
Most active in
Estuary Financial LLC has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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 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
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