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They include 205 high-net-worth individuals, 70 individual clients, and 2 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Sandy Cove Advisors offer?","answer":"Sandy Cove Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, divorce planning, education planning, estate planning, family office services, insurance, philanthropic planning, retirement plan services, 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":"How much does Sandy Cove Advisors charge?","answer":"Sandy Cove Advisors charges 0.50%–1.25% a year for its Investment Management Services. The fee is billed in arrears, is negotiable and has a $10,000 annual minimum.","source":"SANDY COVER ADVISORS, filed 23 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Sandy Cove Advisors use?","answer":"Sandy Cove Advisors’ separately managed account assets are held at Fidelity Brokerage Services LLC (Jersey City, NJ), with $604M and Charles Schwab & Co., Inc. (Westlake, TX), with $80.8M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Sandy Cove Advisors have?","answer":"Sandy Cove Advisors has 4 investment adviser representatives registered with state securities authorities, out of 8 employees, and 4 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 Sandy Cove Advisors invest in?","answer":"At the end of its last fiscal year, Sandy Cove Advisors’ separately managed accounts held 61% registered funds (mutual funds, ETFs, BDCs), 22% exchange-traded equities, 9% state and local bonds, 6% cash and equivalents, 1% U.S. government and agency bonds and 1% other. 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