Butensky & Cohen Financial Security provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, estate planning, insurance, and tax planning.
Butensky & Cohen Financial Security reports 543 clients. They include 392 individual clients, 146 high-net-worth individuals, and 5 corporations and other businesses. Of its assets, 98.1% ($614M across 1,314 accounts) are managed with discretion; $12.1M across 17 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 72% | 21% |
| High-net-worth individuals | 27% | 75% |
| Pension and profit-sharing plans | Fewer than 5 | <1% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | <1% | 4% |
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) | 392 | $132M | 21.0% | $336K |
| High-net-worth individuals | 146 | $470M | 75.1% | $3.22M |
| Pension and profit-sharing plans | Fewer than 5 | $606K | 0.1% | — |
| Charitable organizations | Fewer than 5 | $1.02M | 0.2% | — |
| Corporations and other businesses | 5 | $22.5M | 3.6% | $4.5M |
| Total | 543 | $626M | 100% | — |
- Clients
- 392
- Regulatory AUM
- $132M
- AUM share
- 21.0%
- Avg. per client
- $336K
- Clients
- 146
- Regulatory AUM
- $470M
- AUM share
- 75.1%
- Avg. per client
- $3.22M
- Clients
- Fewer than 5
- Regulatory AUM
- $606K
- AUM share
- 0.1%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $1.02M
- AUM share
- 0.2%
- Avg. per client
- —
- Clients
- 5
- Regulatory AUM
- $22.5M
- AUM share
- 3.6%
- Avg. per client
- $4.5M
Total
- Clients
- 543
- Regulatory AUM
- $626M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Butensky & Cohen Financial Security charges 0.75%–1.50% a year for its Portfolio Management. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning Services
- Comprehensive financial planning costs no more than $2,500 over 12 months, and targeted planning is billed at no more than $250 an hour, with clerical fees capped at $50 an hour.
Jacqueline Bos owns 25% to 50% of Butensky & Cohen Financial Security. The leadership team of Butensky & Cohen Financial Security includes President Jacqueline Bos and Chief Investment Officer Sean Guldi. It has 12 employees, 5 of them in advisory roles.
Leadership
- Jacqueline BosChief Compliance Officer and Vice President
- Allan CohenPresident/CEO
- Thomas EllisVice President
- Adam OertherVice President
- Sean GuldiChief Investment Officer
Investment adviser representatives
9 representatives listed in the SEC register as of 9 October 2026.
- Jessica Lee Adams
- Jacqueline Ann Bos
- Jonathan Bottaro
- Allan Abraham Cohen
- Thomas Leonard Ellis JR
- Sean Robert Guldi
- Kellie Ann Kelleher
- Ansley Reese Nicholson
- Adam Thomas Oerther
Staff
- 12 employees
- 5 in advisory functions
- 9 state-registered reps
- Owns 25% to 50% of Butensky & Cohen Financial Security Inc
Jacqueline Bos
Control person · since January 2009
- Owns 25% to 50% of Butensky & Cohen Financial Security Inc
Thomas Ellis
Control person · since November 2017
- Owns 10% to 25% of Butensky & Cohen Financial Security Inc
Allan Cohen
Control person · since November 2018
- Owns 10% to 25% of Butensky & Cohen Financial Security Inc
Sean Guldi
Control person · since January 2018
- Owns 5% to 10% of Butensky & Cohen Financial Security Inc
Adam Oerther
Control person · since January 2021
Butensky & Cohen Financial Security’s regulatory assets grew 1.5× from $413M (February 2021) to $626M (January 2026); clients rose from 451 to 543 and employees from 10 to 12.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| January 2026 | $626M | 543 | 12 | 1 |
| February 2025 | $546M | 519 | 12 | 1 |
| March 2024 | $503M | 495 | 10 | 1 |
| January 2023 | $462M | 483 | 11 | 1 |
| February 2022 | $483M | 481 | 10 | 1 |
| February 2021 | $413M | 451 | 10 | 1 |
Besides its headquarters, Butensky & Cohen Financial Security has 0 offices, with 1 listed address in Florida.
Florida · 1 listed address
- 110 Professional Drive, Suite 101, Ponte Vedra BeachHQ
Other business names
Butensky & Cohen Financial Security has reported 1 other business name to the SEC.
- B&C Financial Advisors
Contact and registration details
- Legal name
- Butensky & Cohen Financial Security Inc
- Headquarters
- 110 Professional Drive, Suite 101, Ponte Vedra Beach, FL 32082
- Website
- bandcfinancial.com
- Phone
- 904-273-9850
- SEC file
- 801-55533
- Founded
- 1994
- Structure
- Florida corporation
- Fiscal year end
- December
Butensky & Cohen Financial Security uses Pershing ($599M) as custodian for its separately managed accounts. Butensky & Cohen Financial Security has custody of $16M in client assets for 20 clients.
- PershingPershing LLC · Jersey City, NJ · $599M100%
At year end, Butensky & Cohen Financial Security’s separately managed accounts were mostly in stocks (52%) and bonds (32%). Its reported 13F holdings for the quarter ended 30 June 2026 total $404M across 99 positions; the largest are KLA Corp. Com New (2.4%), Micron Technology Inc. (2.2%) and Bank OF NY Mellon Corp. (1.8%).
What the accounts hold
- Stocks52%
- Funds13%
- Bonds32%
- Investment grade corporate bonds23%
- State and local bonds8%
- High-yield corporate bonds1%
- Cash2%
- Other1%
- N/a1%
Reported 13F holdings
- $404M
- Reported 13F value
- 99
- Positions
- 18.9%
- In the 10 largest
- +6.4%
- Value vs. prior quarter
- KLA Corp. Com New2.4%
- Micron Technology Inc.2.2%
- Bank OF NY Mellon Corp.1.8%
- Cisco Sys Inc.1.8%
- Cummins Inc.1.8%
- Apple Inc.1.8%
- Alphabet Inc. CL A1.8%
- Nvidia Corporation1.8%
- British Amern Tob PLC Sponsored ADR · ADR1.7%
- Msc Indl Direct Inc. CL A1.7%
Together, the ten largest are 18.9% of reported value.
How many clients does Butensky & Cohen Financial Security have?
Butensky & Cohen Financial Security has 543 clients and manages $626 million for them, as of January 2026. They include 392 individual clients, 146 high-net-worth individuals, and 5 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 January 2026
What services does Butensky & Cohen Financial Security offer?
Butensky & Cohen Financial Security provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession 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 Butensky & Cohen Financial Security charge?
Butensky & Cohen Financial Security charges 0.75%–1.50% a year for its Portfolio Management. The fee is billed in advance and is negotiable.
Source: DISCLOSURE BROCHURE - ADV PART 2, filed 30 January 2026
Which custodians does Butensky & Cohen Financial Security use?
Butensky & Cohen Financial Security’s separately managed account assets are held at Pershing LLC (Jersey City, NJ), with $599M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 January 2026
How many financial advisors does Butensky & Cohen Financial Security have?
Butensky & Cohen Financial Security has 9 investment adviser representatives registered with state securities authorities, out of 12 employees, and 5 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 Butensky & Cohen Financial Security invest in?
At the end of its last fiscal year, Butensky & Cohen Financial Security’s separately managed accounts held 52% exchange-traded equities, 23% investment grade corporate bonds, 13% registered funds (mutual funds, ETFs, BDCs), 8% state and local bonds, 2% cash and equivalents, 1% high-yield corporate bonds and 1% other. The 1% other category is described as: N/A.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Butensky & Cohen Financial Security?
Butensky & Cohen Financial Security’s direct owners are Allan Cohen, Jacqueline Bos, Thomas Ellis, Sean Guldi and Adam Oerther, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 30 January 2026
How does Butensky & Cohen Financial Security get paid?
Butensky & Cohen Financial Security 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 Butensky & Cohen Financial Security?
Butensky & Cohen Financial Security’s main office is at 110 Professional Drive, Suite 101, Ponte Vedra Beach, FL 32082. Its phone number is 904-273-9850. Its website is bandcfinancial.com.