Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
- Charitable Organizations
- State & Municipal Govt Entities
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Other
Adviser Investments Overview
Adviser Investments is a fee-based registered investment advisory firm headquartered in Newton, MA. They have been in business since 2012 and specialize in providing investment advice. Additionally, they are a seller of additional financial products. The firm offers a range of services including financial planning, portfolio management for individuals and small businesses, and portfolio management for businesses or institutional clients. They also provide estate planning, tax return preparation and filing, and serve as a model provider. As a fee-based firm, Adviser Investments charges a fee for their services which may include financial planning, portfolio management, and other services. They work closely with clients to develop customized investment strategies based on their unique financial goals and risk tolerance. With a strong focus on providing personalized service and sound advice, Adviser Investments is a trusted partner for individuals and businesses looking to invest and grow their wealth.
ADVISER INVESTMENTS caters to a diverse range of clients, ranging from individuals looking to manage their personal finances to high net worth individuals seeking professional investment advice. They also provide their services to pension or profit sharing plans as well as charitable organizations. ADVISER INVESTMENTS understands the unique needs of state or municipal government entities and is well-equipped to serve them as well. Aside from these types of clients, the firm is capable and willing to cater to other corporation types not listed. When it comes to fee structures, ADVISER INVESTMENTS offers several options depending on the service provided. One of the most common fee structures is a percentage of assets under management. This means that the firm charges a certain percentage of the total value of assets that they are managing on behalf of their clients. Another option available is an hourly rate, where clients are charged for the specific amount of time spent on a particular service. Lastly, there are other types of fees that may be charged for specialized services or unique circumstances. ADVISER INVESTMENTS strives to provide transparent and fair fee structures for their clients.
Typical Clients, Fee Structures & Investment Minimum
The note in Adviser Investments' Part 2 Brochure states that they require a minimum account size for all the investment programs they offer except for their 401(k) programs. However, the brochure does not mention what the specific investment minimum is.
How This Office Can Help Newton, MA Residents
Adviser Investments provides comprehensive financial planning and investment management services to clients in Newton, MA. The firm works with individuals and families to create customized financial plans based on their unique circumstances and goals. Adviser Investments helps clients with a wide range of financial situations including retirement planning, tax planning, estate planning, college savings, and more. Many residents of Newton, MA are nearing retirement age and seeking guidance on how to maximize their savings and generate income in retirement. Others may be managing their finances after a major life event such as a divorce or the sale of a business. Additionally, as home values in Newton continue to rise, homeowners may be looking to leverage their equity to fund other expenses such as education or home renovations. Adviser Investments can help clients navigate these complex financial situations and develop a plan that best meets their needs.
Services Offered by Adviser Investments
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Adviser Investments most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Unavailable
Subscription (Newsletter or Periodical)
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
State Registrations
Adviser Investments is registered to service clients in the following states:
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Virgin Islands
Disciplinary History
Adviser Investments does not have any disclosures. Please visit it's Form ADV for more details.