{"url":"https://nivawealth.com/firms/flying-point-financial-107915","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/107915","regulatoryAum":206723000,"crd":"107915","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4421611","suffix":null,"lastName":"KENNEDY","firstName":"KEVIN","middleName":"JAMES"},{"crd":"2740891","suffix":null,"lastName":"MASTROMONACO","firstName":"AMY","middleName":"ELIZABETH"},{"crd":"1578345","suffix":null,"lastName":"MORGILLO","firstName":"ELAINE","middleName":"BRUNELLI"}],"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":"2021-02-11","regulatoryAum":142000000,"clients":166,"employees":5,"offices":2},{"filedOn":"2022-02-22","regulatoryAum":166000000,"clients":151,"employees":5,"offices":2},{"filedOn":"2023-03-02","regulatoryAum":145240000,"clients":189,"employees":5,"offices":2},{"filedOn":"2024-07-15","regulatoryAum":168520000,"clients":187,"employees":5,"offices":5},{"filedOn":"2025-02-04","regulatoryAum":184000000,"clients":180,"employees":5,"offices":5},{"filedOn":"2026-09-01","regulatoryAum":206723000,"clients":191,"employees":4,"offices":4}],"secFileNumber":"801-95168","legalName":"Flying Point Financial, Inc.","displayName":"Flying Point Financial","slug":"flying-point-financial-107915","website":"https://flyingpointfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"1998","organization":"Massachusetts corporation","fiscalYearEnd":"December","headquarters":{"street":"855 Turnpike Street","city":"North Andover","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01845"},"tradeNames":[],"registration":{"secApproved":"21 April 2015","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1062528.7958115183,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":206723000,"discretionary":201066000,"discretionaryAccounts":592,"nonDiscretionary":5657000,"nonDiscretionaryAccounts":18,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":112,"regulatoryAum":40863000},{"label":"High-net-worth individuals","clients":79,"regulatoryAum":162080000},{"label":"Pension and profit-sharing plans","clients":0,"fewerThan5":true,"regulatoryAum":3780000}],"feePrograms":[{"role":"other","program":"Financial Planning","summary":"Charged hourly at $250 per hour; half of the agreed fee is due on entering the planning agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056645","versionId":1056645,"submittedOn":"2026-09-01","documentName":"09 01 2026 FPF FORM ADV PART 2A AND 2B FINAL"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T11:57:42.133824+00:00","documents":[{"name":"09 01 2026 FPF FORM ADV PART 2A AND 2B FINAL","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056645","versionId":1056645,"submittedOn":"2026-09-01"}]},"custodians":[{"name":"Raymond James Financial Services, Inc.","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":205515000}],"custodyNote":"Flying Point Financial does not have custody of client assets.","leadership":[{"name":"Kevin Kennedy","title":"Shareholder and President","crd":"4421611"},{"name":"Amy Mastromonaco","title":"Shareholder, Director of Operations, and Chief Compliance Officer","crd":"2740891"}],"ownership":[{"label":"Kevin Kennedy","detail":"Shareholder and president in the 75% or more ownership band and a control person, since January 2025."},{"label":"Amy Mastromonaco","detail":"Shareholder, director of operations, and chief compliance officer in the 10% to 25% ownership band, since July 1998."}],"filedOffices":{"otherThanPrincipal":3,"privateResidences":2},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Massachusetts","offices":1,"addresses":[{"street":"855 Turnpike Street","city":"North Andover","headquarters":true}]},{"state":"New Hampshire","offices":1,"addresses":[{"street":"155 Fleet Street","city":"Portsmouth"}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"978-975-3000","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":30},{"label":"U.S. government/agency bonds","percent":5},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":47},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"1 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/107915/PDF/107915.pdf","brochureDate":"1 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056645","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 Flying Point Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Flying Point Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Flying Point Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Flying Point Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Flying Point Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Flying Point Financial?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Flying Point Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Flying Point Financial registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Flying Point Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 1 September 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."}