St. Germain Investment Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and publishing newsletters. Financial planning was provided to 1–10 clients last fiscal year.
St. Germain Investment Management reports 6,722 clients. They include 4,552 individual clients, 1,909 high-net-worth individuals and 113 charitable organizations. Of its assets, 99.6% ($3.78B across 6,588 accounts) are managed with discretion; $14.7M across 134 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 68% | 33% |
| High-net-worth individuals | 28% | 60% |
| Pension and profit-sharing plans | 2% | <1% |
| Charitable organizations | 2% | 4% |
| State or municipal government entities | <1% | <1% |
| Other client typesCorporations and other businesses | <1% | 3% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 4,552 | $1.26B | 33.2% | $276K |
| High-net-worth individuals | 1,909 | $2.27B | 59.9% | $1.19M |
| Pension and profit-sharing plans | 108 | $14.8M | 0.4% | $137K |
| Charitable organizations | 113 | $142M | 3.7% | $1.26M |
| State or municipal government entities | 3 | $3.18M | 0.1% | $1.06M |
| Corporations and other businesses | 37 | $104M | 2.7% | $2.81M |
| Total | 6,722 | $3.79B | 100% | $564K |
- Clients
- 4,552
- Regulatory AUM
- $1.26B
- AUM share
- 33.2%
- Avg. per client
- $276K
- Clients
- 1,909
- Regulatory AUM
- $2.27B
- AUM share
- 59.9%
- Avg. per client
- $1.19M
- Clients
- 108
- Regulatory AUM
- $14.8M
- AUM share
- 0.4%
- Avg. per client
- $137K
- Clients
- 113
- Regulatory AUM
- $142M
- AUM share
- 3.7%
- Avg. per client
- $1.26M
- Clients
- 3
- Regulatory AUM
- $3.18M
- AUM share
- 0.1%
- Avg. per client
- $1.06M
- Clients
- 37
- Regulatory AUM
- $104M
- AUM share
- 2.7%
- Avg. per client
- $2.81M
Total
- Clients
- 6,722
- Regulatory AUM
- $3.79B
- AUM share
- 100%
- Avg. per client
- $564K
- 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
St. Germain Investment Management charges 0.60%–1.25% a year for its Investment Services. The fee is billed in arrears, is negotiable and has a $100 annual minimum.
Fee details and sources
DJ St Germain Co., Inc. owns 75% or more of St. Germain Investment Management and is in turn owned by Michael Matty (50–75%). The leadership team of St. Germain Investment Management includes President Michael Matty and Chief Compliance Officer Polly Cordle. It has 42 employees, 30 of them in advisory roles.
Staff
- 42 employees
- 30 in advisory functions
- 30 state-registered reps
- 3 insurance agents
- 2 soliciting firms
- Owns 75% or more of St. Germain Investment Management, Inc.
DJ St Germain Co., Inc.
since August 2010
- Owns 50% to 75% of DJ St Germain Co., Inc.
Michael Matty
Control person · since November 2008
St. Germain Investment Management’s regulatory assets grew 1.9× from $1.98B (June 2021) to $3.79B (March 2026); clients rose from 5,055 to 6,722 and employees from 32 to 42.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $3.79B | 6,722 | 42 | 6 |
| Apr 2025April 2025 | $3.1B | 6,159 | 42 | 6 |
| Apr 2024April 2024 | $2.7B | 5,541 | 40 | 5 |
| May 2023May 2023 | $2.28B | 5,243 | 40 | 5 |
| Jun 2022June 2022 | $2.61B | 5,171 | 41 | 5 |
| Jun 2021June 2021 | $1.98B | 5,055 | 32 | 4 |
Besides its headquarters, St. Germain Investment Management has 5 offices, with 6 listed addresses across 3 states.
Massachusetts · 4 listed addresses
- 1500 Main St, 25th Floor, SpringfieldHQ
- 81 Samoset Street, Plymouth
- 103 West Park Street, Lee
- 120 King St, Northampton
Mississippi · 1 listed address
- 3000 Old Canton RD, Jackson
New Hampshire · 1 listed address
- 62 Portsmouth Ave, Stratham
Other business names
St. Germain Investment Management has reported 4 other business names to the SEC.
- Gage-Wiley
- New England Capital
- October Mountain Financial Advisors
- St. Germain Wealth Management Group
Contact and registration details
- Legal name
- St. Germain Investment Management, Inc.
- Headquarters
- 1500 Main St, 25th Floor, Springfield, MA 01115-1001
- Website
- stgermaininvestments.com
- Phone
- 413-733-5111
- SEC file
- 801-12471
- Structure
- Massachusetts corporation
- Fiscal year end
- December
St. Germain Investment Management’s named custodians for separately managed accounts are Capital Client Group ($68.9M, 100%) and Charles Schwab ($0, 0%). St. Germain Investment Management has custody of $3.79B for 6,722 clients.
- Capital Client GroupCapital Client Group, Inc. · Los Angeles, CA · $68.9M100%
At year end, St. Germain Investment Management’s separately managed accounts were largely in funds (46%) and stocks (39%).
What the accounts hold
- Stocks39%
- Funds46%
- Bonds8%
- Investment grade corporate bonds4%
- U.S. government and agency bonds3%
- State and local bonds1%
- Cash5%
Filed values cover 98%. The neutral 2% gap has no reported category.
How many clients does St. Germain Investment Management have?
St. Germain Investment Management has 6,722 clients and manages $3.79 billion for them, as of March 2026. They include 4,552 individual clients, 1,909 high-net-worth individuals and 113 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 27 March 2026
What services does St. Germain Investment Management offer?
St. Germain Investment Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and publishing newsletters.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does St. Germain Investment Management charge?
St. Germain Investment Management charges 0.60%–1.25% a year for its Investment Services. The fee is billed in arrears, is negotiable and has a $100 annual minimum.
Source: AUGUST 2020, filed 27 March 2026
Which custodians does St. Germain Investment Management use?
St. Germain Investment Management’s separately managed account assets are held at Capital Client Group, Inc. (Los Angeles, CA), with $68.9M. The filing also lists Charles Schwab & Co., Inc. with no separately managed account assets.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 March 2026
How many financial advisors does St. Germain Investment Management have?
St. Germain Investment Management has 30 investment adviser representatives registered with state securities authorities, out of 42 employees, and 30 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are 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 St. Germain Investment Management invest in?
At the end of its last fiscal year, St. Germain Investment Management’s separately managed accounts held 46% registered funds (mutual funds, ETFs, BDCs), 39% exchange-traded equities, 5% cash and equivalents, 4% investment grade corporate bonds, 3% U.S. government and agency bonds and 1% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns St. Germain Investment Management?
St. Germain Investment Management is owned through a holding company by Michael Matty. Its direct owner is DJ St Germain Co., Inc. (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 27 March 2026
How does St. Germain Investment Management get paid?
St. Germain Investment Management is paid through a percentage of assets under management. 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
How do I contact St. Germain Investment Management?
St. Germain Investment Management’s main office is at 1500 Main St, 25th Floor, Springfield, MA 01115-1001. Its phone number is 413-733-5111. Its website is stgermaininvestments.com.