Top Financial Advisors in New Hampshire

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Independence Financial Advisors works primarily with individuals whose assets are both above and below the high-net-worth threshold. It also serves pension and profit-sharing plans and businesses. Independence Financial does not impose a minimum account requirement.

As a fee-based firm, some of Independence Financial’s advisors may be licensed to sell insurance and investment products and could earn commissions on those transactions, which is a potential conflict of interest. However, the firm’s fiduciary obligations require the team to act in the best interests of clients.

Client assets are managed mostly on a discretionary, but some accounts are managed on a non-discretionary basis. The firm employs seven investor advisor representatives. Independence Financial manages client assets based on financial goals, time horizon and risk tolerance. 

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Charter Oak Capital Management is a fee-only firm, which means all of its compensation comes from client-paid fees. The firm offers a wide selection of services across areas like portfolio management, financial planning and retirement plan consulting. 

Investment management accounts are primarily handled on a discretionary basis. The firm's minimum investment is $350,000, though it may, at its own sole discretion, accept clients with less than that. In addition, the vast majority of clients do not have a high net worth. The firm also serves high-net-worth individuals and charitable organizations.

Using charting, fundamental and technical analysis as well as analysis of economic, market, industry, firm and product cycles and trends, Charter Oak Capital Management’s investment strategies include long-term purchases (securities held at least a year), short-term purchases (securities sold between 30 days and one year) and trading (securities sold within 30 days). The firm makes option transactions when clients make a special request. That said, for accounts whose discretionary investment authority it controls, the firm does not use options or other derivatives.

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Based in Bedford, The Harbor Group manages client assets primarily on a discretionary basis for both high-net-worth and non-high-net-worth individuals. It also works with a few retirement plans and charitable organizations.

The advisory team here includes many designations such as 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 set account minimum.

Investment advisory services are on a fee basis, but advisors who are insurance agents may receive commissions in their other capacities. In addition to investment management and insurance products, the practice offers financial planning, which can cover such topics as cash flow, college planning, retirement planning, tax planning, insurance review and estate planning. 

The Harbor Group primarily uses strategic asset allocation, emphasizing, it notes, “prudent diversification of assets and long-term investment planning consistent with the client’s objectives.” In constructing portfolios, the firm utilizes mostly no-load mutual funds and exchange-traded funds, usually through discount brokers.

In most cases, this firm is not generally involved in the analysis or recommendation of individual securities like stocks and bonds. Instead, it tends to focus on mutual funds and exchange-traded funds (ETFs).

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Northeast Planning Associates (NPA) works solely with individuals with and without a high net worth. As a fee-based firm, some of NPA’s advisors may be licensed to sell insurance and investment products, and they could earn commissions on those transactions. Although this is a potential conflict of interest, the firm’s fiduciary obligations require the team to act in the best interests of clients, at all times.

NPA does not impose a minimum account requirement to engage in services. NPA offers investment advice, insurance strategies and brokerage services based on client financial goals, time horizon and risk tolerance. These include financial planning, investment management and more. 

Research and analysis from NPA is derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and reviews of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. NPA generally employs a long-term investment strategy for its clients, as consistent with their financial goals. 

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Based in Portsmouth, Nvest Financial, LLC works with individuals whose assets are both above and below the high-net-worth threshold. It also serves trusts, estates, businesses, charitable organizations and employer-sponsored retirement plans. The firm generally uses a $500,000 relationship size guideline, though it does not appear to impose a strict minimum relationship size.

As a fee-based firm, certain Nvest advisors may receive commissions through broker-dealer or insurance affiliations, which is a potential conflict of interest. However, the firm’s fiduciary obligations require the team to act in the best interests of clients.

The firm offers investment management, financial planning and retirement plan consulting. Financial planning may cover investment planning, retirement planning, personal savings, education savings, insurance needs and other financial matters. For retirement plans, Nvest provides 3(21) fiduciary advisory services, including vendor analysis, investment policy statement support, investment recommendations, performance reporting and benchmarking.

Nvest primarily uses a long-term investment approach. Portfolios are generally built with diversified mutual funds and exchange-traded funds, though the firm may also use individual stocks, bonds, legacy holdings and independent managers. Its analysis may include fundamental, technical, cyclical and charting methods, while short-term trades may be used for rebalancing, cash needs or tax-related purposes.

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Eldridge Investment Advisors is a fee-based firm that works with individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and corporations. Services offered include investment management and financial planning. 

The annual fee for investment management will not typically exceed 1.00% of assets under managmeent (AUM). Something unique at the firm is that all investment management clients receive financial planning services for free. 

Investing with the firm means advisors will use a variety of analysis to determine the right investments. These align with the client's risk tolerance and long-term goals. The client is able to change objectives of their portfolio. 

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Measured Wealth Private Client Group is headquartered in Portsmouth and has a branch in Fort Lauderdale, Florida. As a fee-based firm, certain advisors here can sell financial products on a commission basis. While this presents a potential conflict of interest, the firm's fiduciary duty requires it to act in clients' best interests.

The vast majority of clients do not have a high net worth. The firm also serves trusts, estates, pension and profit sharing plans, charitable organizations and businesses. The minimum investment here is $250,000.

Measured Wealth says that it generally constructs portfolios with individual stocks or bonds, exchange-traded funds (ETFs), options, mutual funds and other public and private securities or investments. Of course, the specific mix depends on the client’s goals and profile. The firm may use margin transactions, if deemed appropriate. It may also utilize independent money managers.

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Granite Bay Wealth Management's clients at this firm are typically non-high-net-worth individuals. The minimum required to open an account is $250,000, though the firm may waive it under special circumstances.

In addition to high-net-worth and non-high-net-worth individuals, the firm also works with charitable organizations. 

In constructing client portfolios, Granite Bay primarily uses exchange-traded funds (ETFs) and mutual funds. It places clients on an asset allocation scale that ranges from aggressive, to moderately aggressive, to moderate, to moderately conservative, to conservative. Bonds and stocks are also used for investments.

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Based in Manchester, Arcadia Wealth Management, LLC works with individuals, high-net-worth individuals, pre-retirees, retirees and pension and profit-sharing plans. The firm's minimum investment is $500,000 in household manageable assets, though it may accept clients with less than that at its discretion.

As a fee-based firm, some of Arcadia Wealth Management’s advisors may be licensed to sell insurance and investment products and could earn commissions on those transactions, which is a potential conflict of interest. However, the firm’s fiduciary obligations require the team to act in the best interests of clients.

Arcadia Wealth Management offers portfolio management, financial planning, pension consulting, retirement planning, tax planning, estate and legacy planning, Social Security guidance, healthcare planning, retirement income planning and management of held-away assets.

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Essential Planning works primarily with individuals and families. The firm does not impose a minimum account requirement.

As a fee-based firm, certain representatives may be licensed to sell securities or insurance products and could earn commissions on those transactions, which is a potential conflict of interest. However, the firm’s fiduciary obligations require the team to act in the best interests of clients.

The firm offers stand-alone financial planning and non-investment consulting, ongoing investment management, subsequent financial planning, estate planning services through the Encore platform, independent manager allocation, ESG investing upon client direction and cryptocurrency exposure guidance. Financial planning services may cover tax and estate planning, insurance and related matters.

Essential Planning generally uses a strategic asset allocation approach built around core and satellite holdings. Core allocations typically include passively managed index funds and ETFs, while satellite allocations may include actively managed funds. The firm may also use DFA mutual funds, global diversification, cash positions, long-term purchases, short-term purchases, trading, short sales, margin transactions and options strategies, if deemed appropriate.