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Merrimack Valley Financial Advisors, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$45,875,015
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
246
4% high-net worth
Total advisors
3
of 3 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
82
Average account size
$186,484
About
Merrimack Valley Financial Advisors serves individual clients (including high-net-worth households) and institutional clients such as pension, profit-sharing and 401(k) plans, providing discretionary portfolio management, model portfolio management, pension consulting and comprehensive financial planning. The firm offers both customized portfolios built from client-specific investment policies and model asset-allocation portfolios, and provides plan-level services such as Investment Policy Statement preparation, investment vehicle selection, ongoing monitoring and participant education for self-directed plans.
The firm’s process begins with in-depth client discussions to establish objectives, time horizon, risk tolerance and tax considerations, and implements discretionary strategies guided by those inputs; analysis methods include fundamental, quantitative and qualitative research, asset allocation and a long-term purchase orientation, with monthly reviews and annual rebalancing. For model portfolios, suitability is assessed up front and accounts are generally managed to the model’s goal rather than fully individualized allocations, with quarterly outreach and at least annual suitability contact.
What is noteworthy for a firm of this size is its affiliation with an accounting practice (McLarney & Company, LLC) whose principals are also involved in the advisory business and routinely cross-refer clients, a relationship the firm discloses and addresses through conflict-management procedures. The firm’s personnel are also registered representatives of a broker-dealer and licensed insurance agents, and the brochure discloses that some clients may execute recommended transactions through those associated persons (including commission-based trades and potential fee offsets), a practice that is uncommon among peer supported firms.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
General retirement planning
Income planning
Fee options
Financial Planning fixed fees typically range from $500 to $2,500; fixed fees for portfolio and model portfolio management range from $500 to $5,000
Less Than $1,000,000 - $1,000,000: 1.00% Greater than $1,000,000+: Negotiated Less Than $3,000,000 - $3,000,000: 1.00% Greater than $3,000,000+: Negotiated
Separate commissions earned by associated persons acting as registered representatives or insurance agents, commissions are separate and distinct from advisory fees
Financial Planning fees range from $125 to $250 per hour
Minimum fee: Fixed fees ranging from $500 to $5,000 for portfolio and model portfolio management services; minimum fee of $2,500 for pension consulting services Fee-only: Financial Planning fees charged hourly ($125 to $250 per hour) or fixed fee ($500 to $2,500), fees agreed upon prior to contract
Main office location
Merrimack Valley Financial Advisors, Inc.
6 Courthouse Lane, Unit 15
Chelmsford MA 01824, United States
Number of offices
2
Most active in
Merrimack Valley Financial Advisors, Inc. has reported serving >5 clients in these states in the last 12 months.
Massachusetts · New Hampshire
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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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