ArborStone Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
ArborStone Financial reports 1,129 clients. They include 976 individual clients and 153 high-net-worth individuals. Of its assets, 100.0% ($476M across 1,645 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 86% | 34% |
| High-net-worth individuals | 14% | 65% |
| Pension and profit-sharing plans | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 976 | $164M | 34.4% | $168K |
| High-net-worth individuals | 153 | $311M | 65.3% | $2.03M |
| Pension and profit-sharing plans | Fewer than 5 | $1.1M | 0.2% | — |
| Total | 1,129 | $476M | 100% | — |
- Clients
- 976
- Regulatory AUM
- $164M
- AUM share
- 34.4%
- Avg. per client
- $168K
- Clients
- 153
- Regulatory AUM
- $311M
- AUM share
- 65.3%
- Avg. per client
- $2.03M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.1M
- AUM share
- 0.2%
- Avg. per client
- —
Total
- Clients
- 1,129
- Regulatory AUM
- $476M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
ArborStone Financial charges 0.50%–1.25% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 1.25% |
| $500K–$1M | 1.00% |
| $1M–$2M | 0.90% |
| $2M–$3M | 0.80% |
| $3M–$4M | 0.70% |
| $4M–$5M | 0.60% |
| $5M and above | 0.50% |
Fee details and sources
Other fees
- Stand-Alone Estate Planning
- Stand-alone estate planning is a fixed engagement fee of up to $3,000 per engagement, which may be negotiable.
Jeffrey Kutz owns 50% to 75% of ArborStone Financial. The leadership team of ArborStone Financial includes Chief Compliance Officer Justin Gaudino. It has 5 employees, 4 of them in advisory roles.
Leadership
Justin GaudinoFinancial Advisor and Chief Compliance Officer
William GaudinoPartner
Jeffrey KutzPartner and Senior Financial Advisor
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 4 in advisory functions
- 4 state-registered reps
- 4 insurance agents
- Owns 50% to 75% of Arborstone Financial, LLC
Jeffrey Kutz
Control person · since August 2025
- Owns 25% to 50% of Arborstone Financial, LLC
William Gaudino
Control person · since August 2025
- Owns 10% to 25% of Arborstone Financial, LLC
Justin Gaudino
Control person · since August 2025
Besides its headquarters, ArborStone Financial has 0 offices, with 1 listed address in Massachusetts.
Massachusetts · 1 listed address
- 10 New England Business Center Drive, Suite 109, AndoverHQ
Contact and registration details
- Legal name
- Arborstone Financial, LLC
- Headquarters
- 10 New England Business Center Drive, Suite 109, Andover, MA 01810
- Website
- arborstonefinancial.com
- Phone
- 978-269-6344
- SEC file
- 801-134355
- Structure
- Delaware LLC
- Fiscal year end
- December
ArborStone Financial uses Charles Schwab ($476M) as custodian for its separately managed accounts. ArborStone Financial does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $476M100%
At year end, ArborStone Financial’s separately managed accounts were mostly in stocks (57%) and funds (39%).
What the accounts hold
- Stocks57%
- Funds39%
- Cash4%
How many clients does ArborStone Financial have?
ArborStone Financial has 1,129 clients and manages $476 million for them, as of May 2026. They include 976 individual clients and 153 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 6 May 2026
What services does ArborStone Financial offer?
ArborStone Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does ArborStone Financial charge?
ArborStone Financial charges 0.50%–1.25% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: ARBORSTONE FINANCIAL, LLC DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS, filed 6 May 2026
Which custodians does ArborStone Financial use?
ArborStone Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $476M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 May 2026
How many financial advisors does ArborStone Financial have?
ArborStone Financial has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does ArborStone Financial invest in?
At the end of its last fiscal year, ArborStone Financial’s separately managed accounts held 57% exchange-traded equities, 39% registered funds (mutual funds, ETFs, BDCs) and 4% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns ArborStone Financial?
ArborStone Financial’s direct owners are Justin Gaudino (10% to 25%), William Gaudino (25% to 50%) and Jeffrey Kutz (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 6 May 2026
How does ArborStone Financial get paid?
ArborStone Financial is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact ArborStone Financial?
ArborStone Financial’s main office is at 10 New England Business Center Drive, Suite 109, Andover, MA 01810. Its phone number is 978-269-6344. Its website is arborstonefinancial.com.