Income Associates
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$9,369,473
Total clients
77
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
77
Average account size
$121,681
About
Income Associates serves primarily individual investors, high-net-worth individuals, and business entities, managing approximately $9.37 million across its client relationships. The firm provides discretionary asset management, comprehensive and hourly financial planning, and retirement-plan advisory services.
The firm’s investment process is discretionary and tailored to client goals and risk tolerances, using fundamental, technical, and quantitative analysis and a mix of long-, short‑term, and trading strategies to set asset allocation and monitor portfolios. Income Associates frequently uses third‑party model portfolios and sub‑advisors — including platform-supplied models and outsourced allocation programs — while retaining responsibility for suitability and ongoing oversight.
Distinctive features include the firm’s insurance brokerage activity and receipt of commissions for insurance product sales, with the principal devoting a portion of time to that business and disclosing the related conflicts of interest. The firm also offers pension consulting and limited‑scope ERISA 3(21) fiduciary services (with specified excluded asset types) and operates through several platform and sub‑advisor programs (including Altruist’s Model Marketplace, Orion Portfolio Solutions, American Funds, and a Dunham program), an uncommon combination for an independent adviser of its size.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Insurance
Expertise
General retirement planning
Income planning
Wealth management
Tax-loss harvesting
Retirement plans for business owners (SEP, solo 401k)
Fee options
Basic Financial Planning fixed fee of $2,000
$0 - $100,000: 1.7% $100,000.01 - $250,000: 1.6% $250,000.01 - $1,000,000: 1.5% $1,000,000.01 - $2,000,000: 1.0% $2,000,000.01 - $3,000,000: 0.7% $3,000,000.01 - $4,000,000: 0.6% $4,000,000.01 - $5,000,000: 0.5% $5,000,000.01 - $6,000,000: 0.4% $6,000,000.01+: 0.3%
Investment Advisor Representatives receive commissions from sales of investment related products such as insurance.
$250 per hour for hourly consultation services
Account minimum: $50,000 Fee-only: Basic Financial Planning fixed fee: $2,000; Hourly consultation: $250/hour
Main office location
Income Associates
57 Maple Ave, Suite 104
Barrington RI 02806, United States
Number of offices
1
Most active in
Income Associates has reported serving >5 clients in these states in the last 12 months.
Massachusetts · Rhode Island
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.
Is not active or affiliated with:
-
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.
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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.
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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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