Aspetuck Financial Management LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$156,431,957
This total excludes 12 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
87
38% 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
87
Very HighAverage account size
$1,798,068
About
Aspetuck Financial Management serves primarily individual clients with discretionary portfolio management through its Risk Managed Portfolio (RMP) program, and also accepts corporate/business clients and pension or profit‑sharing plans, including ERISA 3(38) plan‑sponsor engagements and participant education. The firm provides ongoing investment management, retirement‑account fiduciary services, and ancillary planning support such as college 529 account management and retirement planning guidance.
The RMP program uses four model strategies (Aggressive, Moderate, Conservative, Risk Averse) and a top‑down, macro‑driven asset allocation process that blends ETFs for diversification with selective individual dividend‑oriented and growth‑at‑reasonable‑price stock selections. Portfolios are managed for multi‑year horizons with active risk management and tactical adjustments; performance composites are maintained and reported through third‑party reporting systems (formerly Morningstar, now Black Diamond).
What is notable for a solo independent adviser is the combination of scale and service breadth — approximately $178 million in discretionary assets across about 87 clients — while offering institutional plan services uncommon among peers of this type. The firm also advertises and publishes net composite performance results and maintains formal ERISA 3(38) plan‑management capabilities, practices that are statistically rare for independent single‑advisor firms.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Retirement income strategy
Wealth management
Fee options
$0 - $1,000,000: 0.85% $1,000,001 - $4,000,000: 0.70% $4,000,001+: 0.65%
Account minimum: $50,000
Main office location
Aspetuck Financial Management LLC
27 A Imperial Ave.
Westport CT 06880, United States
Number of offices
1
Most active in
Aspetuck Financial Management LLC has reported serving >5 clients in these states in the last 12 months.
Connecticut · Florida · New Jersey · New York · Texas · Virginia
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.
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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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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.
-
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.
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