Brewster Financial Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 51–100 clients last fiscal year.
Brewster Financial Planning reports 119 clients. They include 105 high-net-worth individuals, 13 individual clients and 1 insurance company. Of its assets, 99.3% ($238M across 627 accounts) are managed with discretion; $1.74M across 5 accounts are not. Of its clients, 1% are outside the U.S. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 11% | 2% |
| High-net-worth individuals | 88% | 98% |
| Insurance companies | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 13 | $4.58M | 1.9% | $353K |
| High-net-worth individuals | 105 | $235M | 98.0% | $2.24M |
| Insurance companies | Fewer than 5 | $175K | 0.1% | $175K |
| Total | 119 | $240M | 100% | — |
- Clients
- 13
- Regulatory AUM
- $4.58M
- AUM share
- 1.9%
- Avg. per client
- $353K
- Clients
- 105
- Regulatory AUM
- $235M
- AUM share
- 98.0%
- Avg. per client
- $2.24M
- Clients
- Fewer than 5
- Regulatory AUM
- $175K
- AUM share
- 0.1%
- Avg. per client
- $175K
Total
- Clients
- 119
- Regulatory AUM
- $240M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Brewster Financial Planning charges 0.40%–0.85% a year for its Investment Advisory Agreement. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $8,500 annual minimum. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 0.85% |
| $1M–$2M | 0.65% |
| $2M–$8M | 0.50% |
| $8M and above | 0.40% |
Fee details and sources
Other fees
- Financial Planning Services
- Fee based on an hourly rate of $350, negotiable; follow-up work is billed separately at $350 per hour.
Charles Brewster owns 75% or more of Brewster Financial Planning. The leadership team of Brewster Financial Planning includes Chief Compliance Officer Charles Brewster. It has 3 employees.
Leadership
Charles BrewsterManaging Member, Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Brewster Financial Planning LLC
Charles Brewster
Control person · since April 2001
Brewster Financial Planning’s regulatory assets grew 1.6× from $150M (March 2021) to $240M (March 2026); clients rose from 101 to 119 and employees fell from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $240M | 119 | 3 | 1 |
| May 2025May 2025 | $205M | 120 | 4 | 1 |
| Feb 2024February 2024 | $176M | 117 | 4 | 1 |
| Mar 2023March 2023 | $151M | 111 | 4 | 1 |
| Mar 2022March 2022 | $176M | 109 | 4 | 1 |
| Mar 2021March 2021 | $150M | 101 | 4 | 1 |
Besides its headquarters, Brewster Financial Planning has 0 offices, with 1 listed address in 1 state.
New York · 1 listed address
- 641 President Street, Suite 106, BrooklynHQ
Contact and registration details
- Legal name
- Brewster Financial Planning LLC
- Headquarters
- 641 President Street, Suite 106, Brooklyn, NY 11215
- Website
- brewsterfp.com
- Phone
- 646-249-9880
- SEC file
- 801-77668
- Founded
- 2001
- Structure
- New York LLC
- Fiscal year end
- December
Brewster Financial Planning’s named custodian for separately managed accounts is Charles Schwab ($192M). Brewster Financial Planning has custody of $115M for 94 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $192M100%
At year end, Brewster Financial Planning’s separately managed accounts were mostly in stocks (65%) and funds (34%). Its reported 13F holdings for the quarter ended 30 June 2026 total $182M across 30 positions; the largest are iShares TR (26.8%), iShares TR (18.6%) and iShares TR (13.3%).
What the accounts hold
- Stocks65%
- Funds34%
- Cash1%
Reported 13F holdings
- $182M
- Reported 13F value
- 30
- Positions
- 94.0%
- In the 10 largest
- +10.2%
- Value vs. prior quarter
- iShares TR · Rus 1000 ETF26.8%
- iShares TR · MSCI Eafe ETF18.6%
- iShares TR · Russell 2000 ETF13.3%
- Vanguard BD Index Fds · Intermed Term12.3%
- Vanguard BD Index Fds · Short Trm Bond10.3%
- iShares TR · Select US REIT6.7%
- Vanguard Mun BD Fds · Tax Exempt BD2.0%
- iShares TR · Shrt Nat Mun ETF1.9%
- iShares TR · Esg Awr US Agrgt1.3%
- Dimensional ETF Trust · US Cor Equ 2 ETF0.9%
Together, the ten largest are 94.0% of reported value.
How many clients does Brewster Financial Planning have?
Brewster Financial Planning has 119 clients and manages $240 million for them, as of March 2026. They include 105 high-net-worth individuals, 13 individual clients and 1 insurance company.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026
What services does Brewster Financial Planning offer?
Brewster Financial Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Brewster Financial Planning charge?
Brewster Financial Planning charges 0.40%–0.85% a year for its Investment Advisory Agreement. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $8,500 annual minimum.
Source: BREWSTER FINANCIAL PLANNING LLC ADV2A, filed 2 March 2026
Which custodians does Brewster Financial Planning use?
Brewster Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $192M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 March 2026
How many financial advisors does Brewster Financial Planning have?
Brewster Financial Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Brewster Financial Planning invest in?
At the end of its last fiscal year, Brewster Financial Planning’s separately managed accounts held 65% exchange-traded equities, 34% registered funds (mutual funds, ETFs, BDCs) and 1% 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 Brewster Financial Planning?
Brewster Financial Planning’s direct owner is Charles Brewster (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 2 March 2026
How does Brewster Financial Planning get paid?
Brewster Financial Planning is paid through a percentage of assets under management, hourly charges 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 Brewster Financial Planning?
Brewster Financial Planning’s main office is at 641 President Street, Suite 106, Brooklyn, NY 11215. Its phone number is 646-249-9880. Its website is brewsterfp.com.