ArborStone Financial, LLC

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Client assets under management

Clients

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

—

About

ArborStone Financial provides discretionary wealth management and financial planning to individuals, high‑net‑worth clients, trusts and estates. Services described in the brochure include model-portfolio investment management using ETFs, low‑cost mutual funds, individual securities, retirement planning, and facilitation of estate‑planning documents through a third‑party technology provider.

The firm describes a fundamentals‑driven, primarily long‑term investment approach that constructs strategic asset allocations and model portfolios while reallocating or trading as needed to meet client objectives. ArborStone also implements client strategies through unaffiliated independent managers when appropriate, performing initial and ongoing oversight and allocating a portion of client advisory fees to those managers while not receiving direct compensation from them.

ArborStone is newly formed and operates with a small advisory team; its initial filing reported that assets under management would be reported on a subsequent filing. The brochure also discloses that several advisory personnel maintain outside broker‑dealer and insurance roles and that the firm participates on an institutional custodian platform, arrangements the firm notes could influence implementation and client servicing choices.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Active portfolio management Options & derivatives strategies Private / alternative investments

Fee options

Fixed

Estate planning services offered with fixed engagement fees up to $3,000 per engagement; fees may be negotiated based on complexity.

Percentage

$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.70% $4,000,001 - $5,000,000: 0.60% $5,000,001+: 0.50%

Commissions

Certain advisory persons receive commissions as registered representatives or insurance professionals separately from the Advisor; commissions are not part of the advisory fees.

Other

Fee-only: Wealth management fees based on tiered schedule; no commissions received by the Advisor for securities transactions.

Main office location

ArborStone Financial, LLC

10 New England Business Center Drive, Suite 109

Andover MA 01810, United States

Number of offices

Most active in

Illinois · Louisiana · Massachusetts · New Hampshire · North Carolina · Texas

Disclosures

Business activities & affiliations

Is not 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.

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.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 979-269-6344

Advisors at this firm

William G

CFP®, Series 63

Andover, MA

ArborStone Financial, LLC

William Gaudino II is a CFP® with 33 years of industry experience, currently serving as an investment advisor representative at ArborStone Financial, LLC. He previously worked at Ameriprise for 34 years and is also registered as a representative with Purshe Kaplan Sterling Investments, Inc. In addition to his advisory role, he is a licensed insurance agent. ArborStone Financial provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamentals-driven, long-term investment approach using model portfolios, ETFs, mutual funds, and individual securities, and oversees client strategies that may include independent managers.

Active portfolio management Options & derivatives strategies Private / alternative investments

Justin G

CFP®, Series 63, Series 65

Andover, MA

ArborStone Financial, LLC

Justin Gaudino is a CFP® with 10 years of industry experience, currently serving as an advisor at ArborStone Financial, LLC. His prior roles include positions at Ameriprise Financial Services, Mayflower Financial Advisors, Private Client Services, Wells Fargo Advisors, and MFS Fund Distributors. He is also a licensed insurance agent, dedicating part of his time to insurance sales and implementation. ArborStone Financial provides discretionary wealth management and financial planning to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamentals-driven, primarily long-term investment approach, utilizing model portfolios with ETFs, mutual funds, and individual securities, and oversees independent managers when appropriate.

Active portfolio management Options & derivatives strategies Private / alternative investments

Sean C

CFP®, Series 63

Andover, MA

ArborStone Financial, LLC

Sean Connolly is a CFP® with 30 years of industry experience, currently serving as an investment advisor representative at ArborStone Financial, LLC. He previously worked at Ameriprise from 1995 to 2026 and has been dually registered with ArborStone Financial and Purshe Kaplan Sterling Investments, Inc. since 2026. Connolly is also a licensed insurance agent and dedicates part of his time to insurance sales and implementation of insurance recommendations. ArborStone Financial provides discretionary wealth management and financial planning to individuals, high-net-worth clients, trusts, and estates, using a fundamentals-driven, long-term investment approach that includes model-portfolio management and strategic asset allocation.

Active portfolio management Options & derivatives strategies Private / alternative investments

Jeffrey K

CFP®, CFA®, Series 63

Andover, MA

ArborStone Financial, LLC

Jeffrey Kutz is a CFP® and CFA® with 33 years of industry experience. He is currently an investment advisor representative at ArborStone Financial, LLC and also serves as a registered representative with Purshe Kaplan Sterling Investments, Inc. Prior to joining ArborStone and PKS in 2026, he spent over three decades at Ameriprise. ArborStone Financial provides discretionary wealth management and financial planning to individuals, high-net-worth clients, trusts, and estates. The firm follows a fundamentals-driven, primarily long-term investment approach using model portfolios composed of ETFs, mutual funds, and individual securities, and incorporates independent managers when appropriate.

Active portfolio management Options & derivatives strategies Private / alternative investments

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