Novem Group

Novem Group provides ongoing portfolio management and financial planning to a wide range of clients, including individual and high‑net‑worth clients, pension and profit‑sharing plans, charitable organizations, and state or municipal government entities. The firm also sponsors a wrap fee program and may refer clients to third‑party money managers as part of its service offerings.

Investment advice is delivered under written Investment Policy Statements, with discretionary authority available and regular account monitoring; the firm uses fundamental, cyclical, and technical analysis and implements long‑term, short‑term, and options trading across mutual funds, ETFs, equities, fixed income, REITs, and insurance products such as annuities. Novem Group discloses that its representatives may be registered with affiliated broker‑dealers or advisory firms and licensed as insurance agents, and it documents conflicts when recommending commissionable products or accepting fee‑sharing from third‑party managers.

Distinctive elements in the brochure include explicit relationships with other investment advisers and the inclusion of state and municipal clients, and the firm’s practice of directing clients to third‑party managers for which it receives negotiated fee shares. The brochure also describes operational features — use of Schwab custodial services and related support, Osaic transaction review tools, block trading capability, and sponsorship of a wrap program — and discloses the attendant conflicts of interest associated with those arrangements.