M
MS Financial Services, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$45,000,000
Total clients
90
17% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
90
Average account size
$500,000
About
MS Financial Services, LLC provides discretionary investment management and consulting to individuals, high‑net‑worth individuals, trusts, and estates. The firm constructs diversified portfolios using mutual funds, ETFs, and individual equities and also advises on retirement‑account matters, including rollovers, while acting as a fiduciary.
The advisor’s process emphasizes fundamental analysis and a primarily long‑term orientation, with individualized investment policy statements, strategic asset allocation, and ongoing monitoring; the firm may trade shorter term for rebalancing, tax reasons, or to meet client liquidity needs. MS Financial applies internal due diligence, may retain legacy holdings when appropriate, and manages client accounts on a discretionary basis with custody and execution services generally provided through Schwab.
A noteworthy feature is the principal’s concurrent role as a partner in Spurr & Spurr, LLP, a tax and accounting firm at the same address, with the brochure stating he spends approximately half his time on tax and accounting matters; clients are not required to use the accounting services, but the affiliation creates an operational relationship and referral potential. The firm operates as a solo advisor practice managing roughly $45 million for about 90 clients and maintains an institutional relationship with Schwab that provides technology and support.
Client services
Portfolio management
Expertise
Wealth management
Fee options
Negotiated fixed fees for financial planning services
$0 - $1,000,000: 0.35% annually Over $1,000,000+: 0.25% annually
Up to $150 per hour for financial planning services
Fee-only: Investment advisory fees and hourly/fixed fees for financial planning
Main office location
MS Financial Services, LLC
131 Main Street
Reading MA 01867, United States
Number of offices
1
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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