Flying Point Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 1–10 clients last fiscal year.
Flying Point Financial reports 191 clients. They include 112 individual clients and 79 high-net-worth individuals. Of its assets, 97.3% ($201M across 592 accounts) are managed with discretion; $5.66M across 18 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 59% | 20% |
| High-net-worth individuals | 41% | 78% |
| Pension and profit-sharing plans | 0% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 112 | $40.9M | 19.8% | $365K |
| High-net-worth individuals | 79 | $162M | 78.4% | $2.05M |
| Pension and profit-sharing plans | Fewer than 5 | $3.78M | 1.8% | — |
| Total | 191 | $207M | 100% | — |
- Clients
- 112
- Regulatory AUM
- $40.9M
- AUM share
- 19.8%
- Avg. per client
- $365K
- Clients
- 79
- Regulatory AUM
- $162M
- AUM share
- 78.4%
- Avg. per client
- $2.05M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.78M
- AUM share
- 1.8%
- Avg. per client
- —
Total
- Clients
- 191
- Regulatory AUM
- $207M
- 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
- 1–10
Flying Point Financial is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Charged hourly at $250 per hour; half of the agreed fee is due on entering the planning agreement.
Kevin Kennedy owns 75% or more of Flying Point Financial. The leadership team of Flying Point Financial includes President Kevin Kennedy and Chief Compliance Officer Amy Mastromonaco. It has 4 employees, 3 of them in advisory roles.
Leadership
Kevin KennedyShareholder and President
Amy MastromonacoShareholder, Director of Operations, and Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Flying Point Financial, Inc.
Kevin Kennedy
Control person · since January 2025
- Owns 10% to 25% of Flying Point Financial, Inc.
Amy Mastromonaco
since July 1998
Flying Point Financial’s regulatory assets grew from $142M (February 2021) to $207M (September 2026); clients rose from 166 to 191 and employees fell from 5 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $207M | 191 | 4 | 4 |
| February 2025 | $184M | 180 | 5 | 5 |
| July 2024 | $169M | 187 | 5 | 5 |
| March 2023 | $145M | 189 | 5 | 2 |
| February 2022 | $166M | 151 | 5 | 2 |
| February 2021 | $142M | 166 | 5 | 2 |
Besides its headquarters, Flying Point Financial has 3 offices (2 private residences, listed without an address), with 2 listed addresses in Massachusetts and New Hampshire.
Massachusetts · 1 listed address
- 855 Turnpike Street, North AndoverHQ
New Hampshire · 1 listed address
- 155 Fleet Street, Portsmouth
Contact and registration details
- Legal name
- Flying Point Financial, Inc.
- Headquarters
- 855 Turnpike Street, North Andover, MA 01845
- Website
- flyingpointfinancial.com
- Phone
- 978-975-3000
- SEC file
- 801-95168
- Founded
- 1998
- Structure
- Massachusetts corporation
- Fiscal year end
- December
Flying Point Financial uses Raymond James ($206M) as custodian for its separately managed accounts. Flying Point Financial does not have custody of client assets.
- Raymond JamesRaymond James Financial Services, Inc. · St. Petersburg, FL · $206M100%
At year end, Flying Point Financial’s separately managed accounts were largely in funds (48%) and stocks (30%).
What the accounts hold
- Stocks30%
- Funds48%
- Registered funds47%
- Pooled vehicles1%
- Bonds16%
- Investment grade corporate bonds10%
- U.S. government and agency bonds5%
- State and local bonds1%
- Cash6%
How many clients does Flying Point Financial have?
Flying Point Financial has 191 clients and manages $207 million for them, as of September 2026. They include 112 individual clients and 79 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 September 2026
What services does Flying Point Financial offer?
Flying Point Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, 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
Which custodians does Flying Point Financial use?
Flying Point Financial’s separately managed account assets are held at Raymond James Financial Services, Inc. (St. Petersburg, FL), with $206M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 September 2026
How many financial advisors does Flying Point Financial have?
Flying Point Financial has 3 investment adviser representatives registered with state securities authorities, out of 4 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 Flying Point Financial invest in?
At the end of its last fiscal year, Flying Point Financial’s separately managed accounts held 47% registered funds (mutual funds, ETFs, BDCs), 30% exchange-traded equities, 10% investment grade corporate bonds, 6% cash and equivalents, 5% U.S. government and agency bonds, 1% state and local bonds and 1% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Flying Point Financial?
Flying Point Financial’s direct owners are Kevin Kennedy (75% or more) and Amy Mastromonaco (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 1 September 2026
How does Flying Point Financial get paid?
Flying Point Financial 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
Is Flying Point Financial registered with the SEC?
Yes, Flying Point Financial has been registered with the SEC as an investment adviser since 21 April 2015. Its CRD number is 107915 and its SEC file number is 801-95168.
Source: Form ADV Part 1A, Item 1, filed 1 September 2026; IAPD firm record
How do I contact Flying Point Financial?
Flying Point Financial’s main office is at 855 Turnpike Street, North Andover, MA 01845. Its phone number is 978-975-3000. Its website is flyingpointfinancial.com.