{"url":"https://nivawealth.com/firms/st-germain-investment-management-155186","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/155186","regulatoryAum":3791815997,"crd":"155186","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5795403","suffix":null,"lastName":"ANDRZEJEWSKI","firstName":"CHRISTINE","middleName":"M"},{"crd":"5836271","suffix":null,"lastName":"BEDELL","firstName":"JOSHUA","middleName":"DAVID"},{"crd":"4912289","suffix":null,"lastName":"Bleser","firstName":"Richard","middleName":"Raymond"},{"crd":"5736290","suffix":null,"lastName":"BOVINO","firstName":"LAURA","middleName":"MARIE"},{"crd":"2322092","suffix":"MR","lastName":"BOWERMAN","firstName":"MAURICE","middleName":"STEVEN"},{"crd":"3130489","suffix":null,"lastName":"CALLAN","firstName":"SYLVIA","middleName":"MENDOZA"},{"crd":"8049047","suffix":null,"lastName":"Cariddi","firstName":"Ava","middleName":"Claire"},{"crd":"2875017","suffix":null,"lastName":"CORDLE","firstName":"POLLY","middleName":"WHITE"},{"crd":"1501556","suffix":null,"lastName":"Delmolino","firstName":"Laura","middleName":"Ann"},{"crd":"5752571","suffix":null,"lastName":"FARKAS","firstName":"MATTHEW","middleName":"ROBERT"},{"crd":"7845052","suffix":null,"lastName":"Fiore","firstName":"Angelo","middleName":"Samuel"},{"crd":"6771138","suffix":null,"lastName":"Freitag","firstName":"Matthew","middleName":"Ryan"},{"crd":"6708396","suffix":null,"lastName":"Fresia","firstName":"Marianne","middleName":"Sara"},{"crd":"5796418","suffix":null,"lastName":"FRODEMA","firstName":"MARY 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does St. Germain Investment Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does St. Germain Investment Management charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does St. Germain Investment Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does St. Germain Investment Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does St. Germain Investment Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns St. Germain Investment Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does St. Germain Investment Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact St. Germain Investment Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 27 March 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."}