Alvarez & Associates Financial is a registered investment advisor located in Central Falls, Rhode Island, founded in 2026 by Gabriel J Alvarez. The firm operates on a fee-only basis, meaning compensation comes solely from clients rather than commissions or product sales. Alvarez & Associates Financial offers two primary services: investment management and financial planning. Investment management involves building and monitoring personalized portfolios using stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents, with discretionary authority to execute trades. Financial planning is available on an ongoing comprehensive basis or as one-time project engagements, covering cash flow, debt management, college savings, insurance reviews, retirement projections, and risk management. The firm serves individuals, high-net-worth clients, charitable organizations, and corporations.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.70% |
| $1.0M - $3.0M | 0.50% |
| $3M+ | 0.30% |
Household accounts may be aggregated for fee calculation. Fees are negotiable.