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They include 300 individual clients, 122 high-net-worth individuals and 29 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 28 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Mascoma Wealth Management offer?","answer":"Mascoma Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Mascoma Wealth Management use?","answer":"Mascoma Wealth Management’s separately managed account assets are held at Fidelity Distributors Company LLC (Boston, MA), with $568M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Mascoma Wealth Management have?","answer":"Mascoma Wealth Management has 11 investment adviser representatives registered with state securities authorities, out of 12 employees, and 9 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 Mascoma Wealth Management invest in?","answer":"At the end of its last fiscal year, Mascoma Wealth Management’s separately managed accounts held 74% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 10% cash and equivalents, 1% U.S. government and agency bonds and 1% investment grade corporate bonds.","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 Mascoma Wealth Management?","answer":"Mascoma Wealth Management’s direct owner is Mascoma Bank (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 28 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Mascoma Wealth Management get paid?","answer":"Mascoma Wealth Management is paid through a percentage of assets under management. 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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."}