93 Financial Group is a registered investment advisor based in Woburn, Massachusetts, offering personalized financial planning, investment management, retirement planning, and insurance services. Founded as an insurance agency in 2004 and registered as an investment advisor in 2008, 93 Financial Group uses a traditional, customized approach to build long-term relationships with individuals, families, business owners, trusts, and estates. The firm primarily builds portfolios using mutual funds and exchange-traded funds, tailored to each client's specific risk tolerance, time horizon, and goals. 93 Financial Group manages investments on a discretionary basis, meaning the advisors make trades on your behalf without needing approval for every single transaction, though they also offer non-discretionary advice for certain outside holdings like employer-sponsored retirement plans or annuities. Financial planning and consulting are included as needed for ongoing investment management clients at no separate charge. The firm emphasizes fundamental analysis when evaluating investments and maintains a long-term perspective. While they recommend Charles Schwab & Co. as the primary custodian for client assets, clients retain final control over their financial decisions and implementation choices.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.00% |
The annual fee is 1.00% of assets under management. 93 Financial Group may negotiate a lower fee in its sole discretion based on factors such as anticipated future assets, account size, related accounts, or pre-existing relationships.