S
Saco River Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$27,304,370
Clients
122
9% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
122
Very HighAverage account size
$223,806
About
Saco River Financial Planning works primarily with middle‑income individuals and families and also provides advisory services to trusts, estates, charitable organizations, and small businesses. The firm offers comprehensive financial planning across topics such as budgeting, retirement planning, tax and estate considerations, long‑term care, insurance review, education funding, and investment review and implementation.
Clients can engage the firm through hourly, fixed‑fee, annual retainer, or asset‑based investment management arrangements, and the adviser generally operates on a largely non‑discretionary basis unless a discretionary trading authorization is executed. Investment analysis uses a mix of fundamental and technical methods with an overall bias toward longer‑term holdings, while custodial relationships and trade execution are directed by clients and reviewed periodically.
A distinctive feature of the firm is that most assets are managed non‑discretionarily, a practice that is relatively uncommon among independent advisers and preserves client control over transaction approval. The brochure also discloses a separation between fee‑based securities advice (no commissions on securities) and insurance product implementation (insurance sales may generate commissions), with related conflicts of interest disclosed and governed by CFP Board standards.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
Debt management
Long-term care insurance
General tax planning
College savings (529s, UTMA, etc.)
Demographic focus
Mid-Career Professionals
Fee options
Fixed fees negotiated based on scope of work; deposit required; balance due on completion.
Under $20,000 - $20,000: Minimum fee of $275 $20,001 - $50,000: 1.25% $50,001 - $250,000: 1.15% $250,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.90% Over $3,000,000+: 0.80%
Commission may be received from insurance product sales separate from advisory fees.
Hourly rates range from $206 to $325 per hour based on complexity.
Account minimum: No minimum asset requirement stated; however, a minimum annual fee of $275 applies for portfolio management. Minimum fee: Minimum fee of $275 annually for portfolio management Fee-only: Fees charged on assets under management; no commissions on securities; commissions may be received on insurance products separately.
Main office location
Saco River Financial Planning
Bartlett NH, United States
Number of offices
1
Most active in
Saco River Financial Planning has reported serving >5 clients in these states in the last 12 months.
Maine · 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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Discover
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")