{"url":"https://nivawealth.com/firms/boyd-financial-strategies-107505","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/107505","regulatoryAum":139591676,"crd":"107505","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7839045","suffix":null,"lastName":"Boyd","firstName":"Jack","middleName":"Pearson"},{"crd":"1361880","suffix":null,"lastName":"BOYD","firstName":"JOHN","middleName":"ROBERT"},{"crd":"5647772","suffix":null,"lastName":"BOYD","firstName":"PETER","middleName":"ANDREW"}],"total":3,"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"},"history":[{"filedOn":"2022-04-28","regulatoryAum":119610483,"clients":165,"employees":4,"offices":1},{"filedOn":"2023-07-25","regulatoryAum":97675611,"clients":165,"employees":3,"offices":1},{"filedOn":"2024-03-19","regulatoryAum":109496837,"clients":161,"employees":3,"offices":1},{"filedOn":"2025-03-07","regulatoryAum":120955237,"clients":187,"employees":3,"offices":2},{"filedOn":"2026-03-20","regulatoryAum":139591676,"clients":149,"employees":3,"offices":2}],"secFileNumber":"801-125015","legalName":"Boyd Financial Strategies, Inc.","displayName":"Boyd Financial Strategies","slug":"boyd-financial-strategies-107505","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/boyd-financial-services-llc/","founded":null,"organization":"Massachusetts corporation","fiscalYearEnd":"December","headquarters":{"street":"319a Southbridge St, Ste 201","city":"Auburn","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01501"},"tradeNames":[],"registration":{"secApproved":"13 May 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Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022942","versionId":1022942,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-20","documentName":"INVESTMENT ADVISORY BROCHURE AND DISCLOSURE (ADV 2A & 2B)","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Hourly advisory services","summary":"Advisory services may be offered at an hourly rate of up to $150 per hour, negotiable depending on complexity.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022942","versionId":1022942,"submittedOn":"2026-03-20","documentName":"INVESTMENT ADVISORY BROCHURE AND DISCLOSURE (ADV 2A & 2B)"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:56:18.160203+00:00","documents":[{"name":"INVESTMENT ADVISORY BROCHURE AND DISCLOSURE (ADV 2A & 2B)","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022942","versionId":1022942,"submittedOn":"2026-03-20"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":135977581}],"custodyNote":"Boyd Financial Strategies does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Peter Boyd","title":"Vice President/Chief Executive Officer","crd":"5647772"},{"name":"Rosemarie Boyd","title":"President/Secretary","crd":"1147294"},{"name":"John Boyd","title":"Treasurer/Chief Compliance Officer","crd":"1361880"}],"ownership":[{"label":"John Boyd","detail":"Treasurer/chief compliance officer in the 25% to 50% ownership band and a control person, since December 1995."},{"label":"Rosemarie Boyd","detail":"President/secretary in the 25% to 50% ownership band, since August 2022."},{"label":"Peter Boyd","detail":"Vice president/chief executive officer in the 25% to 50% ownership band and a control person, since April 2025."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Massachusetts","offices":1,"addresses":[{"street":"319a Southbridge St, Ste 201","city":"Auburn","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"508-754-3226","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":11},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":7},{"label":"Investment grade corporate bonds","percent":12},{"label":"Securities issued by registered investment companies or business development companies","percent":56},{"label":"Cash and cash equivalents","percent":10},{"label":"Other","percent":2,"detail":"Structured Notes"}],"privateFunds":0},"sources":{"adv1FilingDate":"20 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/107505/PDF/107505.pdf","brochureDate":"20 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022942","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Boyd Financial Strategies have?","answer":"Boyd Financial Strategies has 149 clients and manages $140 million for them, as of March 2026. They include 108 individual clients and 41 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Boyd Financial Strategies offer?","answer":"Boyd Financial Strategies provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","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 Boyd Financial Strategies charge?","answer":"Boyd Financial Strategies charges 0.50%–1.00% a year for its Wealth Management Services. The fee is billed in arrears and is negotiable.","source":"INVESTMENT ADVISORY BROCHURE AND DISCLOSURE (ADV 2A & 2B), filed 20 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Boyd Financial Strategies use?","answer":"Boyd Financial Strategies’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $136M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Boyd Financial Strategies have?","answer":"Boyd Financial Strategies has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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 Boyd Financial Strategies invest in?","answer":"At the end of its last fiscal year, Boyd Financial Strategies’ separately managed accounts held 56% registered funds (mutual funds, ETFs, BDCs), 12% investment grade corporate bonds, 11% exchange-traded equities, 10% cash and equivalents, 7% state and local bonds, 2% other and 1% U.S. government and agency bonds. The 2% other category is described as: Structured Notes.","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 Boyd Financial Strategies?","answer":"Boyd Financial Strategies’ direct owners are John Boyd, Rosemarie Boyd and Peter Boyd, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Boyd Financial Strategies get paid?","answer":"Boyd Financial Strategies is paid through a percentage of assets under management and hourly charges. 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 Boyd Financial Strategies?","answer":"Boyd Financial Strategies’ main office is at 319a Southbridge St, Ste 201, Auburn, MA 01501. Its phone number is 508-754-3226.","source":"Form ADV Part 1A, Item 1.F, filed 20 March 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."}