Onboard Financial Management, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,852,512
Clients
23
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
23
TypicalAverage account size
$210,979
About
Onboard Financial Management is a small, independent registered investment adviser that serves individuals, trusts, estates, and small businesses with discretionary investment management and financial planning. As of December 31, 2025 the firm reported approximately $4.85 million in assets under management across 23 client relationships.
The firm typically pursues a customized, long‑term investment approach, constructing diversified portfolios using ETFs, mutual funds, and individual stocks and bonds while employing both fundamental and technical analysis. Portfolios are managed on a discretionary basis with an emphasis on low turnover, periodic rebalancing, and the ability to accommodate reasonable client‑imposed restrictions.
Onboard sponsors a wrap fee program that bundles securities transaction costs into its asset‑based advisory fee—an arrangement the firm discloses in its Wrap Fee Program Brochure and that is less common among independent, solo‑practitioner advisers. The firm also includes insurance analysis as part of its financial planning services and participates in an institutional custodian program that provides certain economic benefits to the adviser, operational features that differentiate it from many peers of similar size.
Client services
Financial planning
Portfolio management
Expertise
Wealth management
Charitable giving & philanthropy
Fee options
0.75% to 1.50% annually
$250 per hour, negotiable based on complexity and relationship
Main office location
Onboard Financial Management, LLC
Charlestown MA, United States
Number of offices
2
Most active in
Onboard Financial Management, LLC has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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.
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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.
-
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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