Finding a Top Financial Advisor Firm in Bedford, New Hampshire
Bedford, New Hampshire has a relatively large selection of financial advisor firms to choose from. To help you sift through these options, SmartAsset has compiled this list highlighting the top firms in the city of Bedford. We cover a number of important factors for each firm, including their minimums, investment strategies, available services and more. To expand your search, use SmartAsset’s financial advisor matching tool. It connects you with up to three local advisors.
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|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||The Harbor Group, Inc. Find an Advisor||$1,350,911,711||No set account minimum|| || |
Minimum AssetsNo set account minimum
|2||Northeast Planning Associates, Inc. Find an Advisor||$224,484,897||No set account minimum (some strategies may have a minimum)|| || |
Minimum AssetsNo set account minimum (some strategies may have a minimum)
|3||Baldwin & Clarke Advisory Services, LLC Find an Advisor||$313,056,036||Varies depending on account type|| || |
Minimum AssetsVaries depending on account type
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|4||Milestone Financial Planning, LLC Find an Advisor||$246,184,338||No set account minimum|| || |
Minimum AssetsNo set account minimum
|5||Brophy Wealth Management, LLC Find an Advisor||$211,737,931||No set account minimum|| || |
Minimum AssetsNo set account minimum
|6||Peak Wealth Management LLC Find an Advisor||$158,633,583||$250,000|| || |
|7||Cohen Investment Advisors, LLC Find an Advisor||$134,850,974||$100,000|| || |
What We Use in Our Methodology
To find the top financial advisors in Bedford, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria:
- AUMFirms with more total assets under management are ranked higher.
- Individual Client CountFirms who serve more individual clients (as opposed to institutional clients) are ranked higher.
- Clients Per AdvisorFirms with a lower ratio of clients per financial advisor are ranked higher.
- Age of FirmFirms that have been in business longer are ranked higher.
All information is accurate as of the writing of this article. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria.
The Harbor Group, Inc.
The Harbor Group is a fee-based firm that manages assets for non-high-net-worth and high-net-worth clients.
As a fee-based firm, some advisors at the firm may earn commissions for selling insurance products. This is a potential conflict of interest, but the firm's fiduciary duty binds all advisors to act in the best interests of the client.
The advisory team includes six certified financial planners (CFPs), one chartered financial analyst (CFA), one chartered financial consultant (ChFC), one certified public accountant (CPA), one chartered alternative investment analyst (CAIA) and one certificate in investment performance measurement (CIPM).
There is no minimum account size at the firm. Fees for portfolio management are based on a percentage of assets under management, while financial planning fees are billed hourly.
The Harbor Group Background
The Harbor Group was founded in 1981. It is owned equally by Marc A. Herbert and Timothy M. Riley. Herbert is the firm’s president while Riley is the CEO. Both also act as financial advisors.
Services at the Harbor Group include asset management services, financial planning, cash flow statements, strategic tax planning, review of retirement accounts, review of insurance policies, estate planning, education planning and retirement planning.
The Harbor Group Investment Strategy
The firm generally manages and evaluates portfolios based on client goals and objectives.
Northeast Planning Associates, Inc.
Northeast Planning Associate (NPA), Inc. is a fee-based firm that works with non-high-net-worth and high-net-worth individuals. The firm says that it also manages assets for trusts, estates, pension and profit sharing plans, charitable organizations and businesses.
The leadership team at the firm includes three chartered financial consultants (ChFCs), three certified financial planners (CFPs) and two chartered life underwriters (CLUs).
There is no overall minimum investment, but some products or services may have a minimum.
Fees for asset management are based on a percentage of assets under management. Financial planning can be billed hourly, at a fixed rate or with an annual retainer. Some advisors at the firm earn commissions for selling securities as a broker or insurance products. This is a potential conflict of interest, but the firm's fiduciary duty means that advisors must act in the best interests of the clients.
Northeast Planning Associates Background
NPA was founded in 1984 and is primarily owned by founder Edward C Hiers, who serves as CEO. The firm was originally an insurance agency and became a registered investment advisor in 2004.
Services include investment advisory, financial planning, unaffiliated money managers and retirement plan advisory services.
Northeast Planning Associates Investment Strategy
Investment advice, insurance strategies and brokerage services are typically based on client financial goals, time horizon and risk tolerance. NPA generally invests client assets in mutual funds, and also manages cash or cash equivalents, stocks and structured notes and annuities.
Fundamental analysis is the most important tool advisors at NPA use to make investment decisions, but advisors may also employ technical analysis and other methods.
Baldwin & Clarke Advisory Services, Inc.
Baldwin & Clarke Advisory Services, LLC is a fee-based advisor firm that manages assets for non-high-net-worth and high-net-worth individuals, as well as pension and profit sharing plans, charitable organizations and corporations.
The advisory team holds multiple certifications, including one chartered life underwriter (CLU) and one chartered financial consultant (ChFC).
Fees for management services are generally charged based on a percentage of assets under management. Financial planning services are charged a flat fee. Some advisors earn commissions for selling insurance products. This can present a potential conflict of interest, but the firm's fiduciary duty means that advisors must always act in the best interest of clients. The firm has no broad minimum account size but some services may have a minimum.
Baldwin & Clarke Advisory Services Background
BCAS was founded in 1985. Charles Baldwin and John Clarke each own 50% of the firm.
The firm’s services include asset management, financial planning, estate planning, wealth transfer planning and business continuity planning.
Baldwin & Clarke Advisory Services Investment Strategy
The advisors at BCAS tailor strategies for each client, but long-term strategic portfolios are generally the approach taken. All client money is invested in mutual funds, with no investments put into individual stocks, bonds or other securities.
Milestone Financial Planning, LLC
Brophy Wealth Management, LLC
Peak Wealth Management LLC
Peak Wealth Management LLC has a minimum account requirement of $250,000, but the fee-only firm may reduce at its discretion. The client base includes mostly non-high-net-worth and high-net-worth individuals.
The firm offers wealth management, investment management and financial planning services. It also may recommend unaffiliated investment managers or platforms.
Peak Wealth Management Background
John Garrity and Derek DeAngelis founded the firm in 2015. Prior to that, both wealth managers worked at Fidelity.
The advisory team includes one certified financial planner (CFP) and one accredited investment fiduciary (AIF).
Peak Wealth Management Investing Strategy
The firm generally employs a long-term investment strategy and uses fundamental analysis when evaluating securities. When asset levels warrant it, the firm may recommend outside, independent managers with expertise in tactical asset allocation.
According to its recent SEC filing, assets under the firm's management are primarily invested in individual stocks. The rest are in securities issued by registered investment companies (such as mutual funds) or business development companies, cash and cash equivalents, U.S. Treasury bonds, state and local bonds and investment grade bonds.
Cohen Investment Advisors, LLC
Cohen Investment Advisors, LLC is a one-advisor fee-only firm, which means it does not collect transaction-based fees. Its only compensation is from advising or managing financial accounts. In addition to its office in Bedford, the practice has an office in Boston.
Clients who do not have high net worths outnumber those who do roughly by two to one. The firm also serves pooled investment vehicles. Generally, the minimum to open an account is $100,000.
Cohen Investment Advisors Background
Daniel Cohen formed his namesake firm in 2013. He is the sole owner and serves as CEO, chief investment officer and chief compliance officer.
The firm offers investment management primarily on a discretionary basis, but also will provide it on a non-discretionary basis. It also offers financial planning, which is included in its investment management services or offered on a consulting basis.
Cohen Investment Advisors Investing Strategy
Cohen Investment Advisors uses various models based on its research that primarily invest in individual debt and equity securities, mutual funds and exchange-traded funds (ETFs). Occasionally, it will allocate assets to independent investment managers. Also, the firm may provide advice on the securities components of variable annuities and variable life insurance contracts. To accredited investors it may provide guidanace about privately placed securities, which may include debt, equity and interests in pooled investment vehicles.
When evaluating securities, the firm largely uses fundamental analysis. It may also consider technical and cyclical factors.