Joseph Willwerth is a ChFC-designated registered investment advisor at Finivi INC., based in Westborough, MA, with 34 years of industry experience. Joseph operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Business Owners, Estate Planning, Financial Planning & Coaching, Investment Management, and 2 more. Their firm serves 683 clients with $310M in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Finivi manages investments for a fee based on a percentage of the value of your portfolio. The fee includes a platform fee of 0.06% charged by Envestnet Asset Management Inc., with a $100 minimum annual platform fee. The percentage charged depends on whether your portfolio is primarily invested in stocks or bonds, and the amount you invest. The fee is charged quarterly in advance.
Equity Portfolios:
- First $250,000: 1.50%
- Next $250,000: 1.40%
- Next $250,000: 1.30%
- Next $250,000: 1.20%
- Next $1,000,000: 1.10%
- Next $3,000,000: 1.00%
Fixed Income Portfolios:
- First $250,000: 1.00%
- Next $250,000: 0.95%
- Next $250,000: 0.90%
- Next $250,000: 0.85%
- Next $1,000,000: 0.80%
- Next $3,000,000: 0.70%
- Amounts above $5,000,000: 0.65%
Location
1400 Computer Drive, Westborough, MA, 01581
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Joseph is an investment advisor representative, Chief Operations Officer, and financial planner at AspenCross Wealth Management, Inc., dedicating nearly full-time hours to administrative duties, investment advice, financial planning, and insurance brokerage. He is also a part owner of iPolicyQuote, Inc. and president and part owner of iPolicy Brokerage, Inc., both insurance brokerages, dedicating minimal time to each.
Employment History
Current Registrations
Finivi INC.
Previous Registrations
Triad Advisors LLCBroker
Signator Investors, INC.
Signator Investors, INC.Broker
John Hancock Mutual Life Insurance CompanyBroker
State Registrations1 state
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.