A.T. Lloyd's, Inc

A.T. Lloyd's, Inc. provides discretionary portfolio management to individuals, trusts, pension and profit‑sharing plans, and other organizations, with the vast majority of clients being individual (described in the brochure as middle‑class) investors. The firm reports managing approximately $126.8 million in client assets and advises on traditional securities, mutual funds and variable annuities held exclusively at Fidelity Investments.

The firm emphasizes a long‑term, buy‑and‑hold investment approach tailored to each client's goals and risk tolerance, drawing on more than 35 years of industry experience and financial planning tools to set initial allocations and retirement projections. ATL does not practice market timing or active hedging (other than through mutual funds that may hedge) and provides quarterly adviser fee statements via a third‑party reporting site in addition to Fidelity account statements.

Compared with peers, ATL operates with an unusually high client load per advisory professional — overseeing roughly 418 client relationships — and relies heavily on Fidelity’s custodial and reporting infrastructure to support that scale. The firm’s principal is also a licensed insurance agent and the brochure discloses that insurance sales comprise about 5% of the firm’s activities; clients may be offered non‑variable insurance products (with potential commissions) on an opt‑in basis, and the firm notes clients would need to seek another adviser if the principal were incapacitated or deceased.