{"url":"https://nivawealth.com/firms/arborstone-financial-338225","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/338225","regulatoryAum":476000000,"crd":"338225","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2621357","suffix":null,"lastName":"CONNOLLY","firstName":"SEAN","middleName":"JOSEPH"},{"crd":"6537589","suffix":null,"lastName":"Gaudino","firstName":"Justin","middleName":null},{"crd":"2257180","suffix":null,"lastName":"Gaudino","firstName":"William","middleName":"A"},{"crd":"2309515","suffix":null,"lastName":"KUTZ","firstName":"JEFFREY","middleName":"KEVIN"}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-134355","legalName":"Arborstone Financial, LLC","displayName":"ArborStone Financial","slug":"arborstone-financial-338225","website":"https://arborstonefinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/338225/500e038cd4cbd57d-r1.webp","tone":"light","width":285,"height":200,"sourceUrl":"https://arborstonefinancial.com/","sourceLabel":"Arborstone Financial, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"10 New England Business Center Drive, Suite 109","city":"Andover","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01810"},"tradeNames":[],"registration":{"secApproved":"6 January 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negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044200","versionId":1044200,"submittedOn":"2026-05-06","documentName":"ARBORSTONE FINANCIAL, LLC DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:32:56.096134+00:00","documents":[{"name":"ARBORSTONE FINANCIAL, LLC DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044200","versionId":1044200,"submittedOn":"2026-05-06"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":476000000}],"custodyNote":"ArborStone Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Justin Gaudino","title":"Financial Advisor and Chief Compliance 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2026"},"telephone":"978-269-6344","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":57},{"label":"Securities issued by registered investment companies or business development companies","percent":39},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"6 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/338225/PDF/338225.pdf","brochureDate":"6 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044200","iapdCompiledDate":null,"retrievedDate":"15 October 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does ArborStone Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does ArborStone Financial charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does ArborStone Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does ArborStone Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does ArborStone Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns ArborStone Financial?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does ArborStone Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact ArborStone Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 6 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}