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They include 102 high-net-worth individuals, 22 individual clients, and 15 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cutler Capital Management offer?","answer":"Cutler Capital Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, and portfolio management for institutions.","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 Cutler Capital Management charge?","answer":"Cutler Capital Management charges 1.00% a year for its Separately managed accounts. The fee is billed in arrears, is negotiable, has a $3,000 annual minimum and requires an account of at least $1,000,000.","source":"CCM FORM ADV 2A FINAL, filed 25 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cutler Capital Management use?","answer":"Cutler Capital Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $291M and RBC Capital Markets, LLC (New York, NY), with $38.5M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cutler Capital Management have?","answer":"Cutler Capital Management has 3 investment adviser representatives registered with state securities authorities, out of 9 employees, and 6 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cutler Capital Management invest in?","answer":"At the end of its last fiscal year, Cutler Capital Management’s separately managed accounts held 49% exchange-traded equities, 18% other, 14% cash and equivalents, 8% U.S. government and agency bonds, 7% non-exchange-traded equities, 4% registered funds (mutual funds, ETFs, BDCs) and 1% state and local bonds. The 18% other category is described as: Convertible Bonds - 16% / Convertible Preferred Securities - 2%. It advises 2 private funds.","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":"Does Cutler Capital Management have a minimum investment?","answer":"Yes, Cutler Capital Management’s minimum account size for its Separately managed accounts is $1M. It charges a $3K annual minimum fee.","source":"CCM FORM ADV 2A FINAL, filed 25 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Cutler Capital Management?","answer":"Cutler Capital Management is owned through a chain of holding companies by Melvin S. Cutler 2008 Revocable Trust. Its direct owners are Cutler Limited Partnership I (25% to 50%) and Geoffrey Dancey (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cutler Capital Management get paid?","answer":"Cutler Capital Management is paid through a percentage of assets under management, fixed fees and performance-based fees. Its Form ADV lists no commissions 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 Cutler Capital Management?","answer":"Cutler Capital Management’s main office is at 306 Main St, 2nd Floor, Worcester, MA 01608-1518. Its phone number is 508-757-4455. 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