U. S. Boston Capital provides financial planning, portfolio management for individuals and small businesses, pension consulting, estate planning, insurance, and tax planning. Financial planning was provided to 1–10 clients last fiscal year.
U. S. Boston Capital reports 97 clients. They include 62 individual clients, 30 high-net-worth individuals, and 5 pension and profit-sharing plans. Of its assets, 0.0% ($0 across 0 accounts) are managed with discretion; $360M across 271 accounts are not. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 64% | 19% |
| High-net-worth individuals | 31% | 78% |
| Pension and profit-sharing plans | 5% | 4% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 62 | $68M | 18.9% | $1.1M |
| High-net-worth individuals | 30 | $279M | 77.6% | $9.3M |
| Pension and profit-sharing plans | 5 | $12.8M | 3.5% | $2.55M |
| Total | 97 | $360M | 100% | $3.71M |
- Clients
- 62
- Regulatory AUM
- $68M
- AUM share
- 18.9%
- Avg. per client
- $1.1M
- Clients
- 30
- Regulatory AUM
- $279M
- AUM share
- 77.6%
- Avg. per client
- $9.3M
- Clients
- 5
- Regulatory AUM
- $12.8M
- AUM share
- 3.5%
- Avg. per client
- $2.55M
Total
- Clients
- 97
- Regulatory AUM
- $360M
- AUM share
- 100%
- Avg. per client
- $3.71M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
U. S. Boston Capital charges 0.10%–0.75% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 0.75% |
| $1M–$2M | 0.60% |
| $2M–$5M | 0.55% |
| $5M–$10M | 0.45% |
| $10M–$25M | 0.40% |
| $25M–$50M | 0.25% |
| $50M and above | 0.10% |
Fee details and sources
Other fees
- Financial Planning
- Hourly fees of $150 to $600 per hour, depending on the scope and complexity of the client's circumstances; up to 50% may be invoiced in advance.
- Portfolio Monitoring Services
- Portfolio monitoring is charged at 0.05% of assets.
U.S. Boston Corporation owns 75% or more of U. S. Boston Capital and is in turn owned by Willard Umphrey (75% or more). The leadership team of U. S. Boston Capital includes President Deborah Kessinger. It has 5 employees, 1 of them in advisory roles.
Staff
- 5 employees
- 1 in advisory functions
- 2 broker-dealer reps
- Owns 75% or more of U. S. Boston Capital Corporation
U.S. Boston Corporation
Control person · since December 1971
- Owns 75% or more of U.S. Boston Corporation
Willard Umphrey
Control person · since January 1971
Leon Okurowski
Vice president, director and clerk · Control person · since January 1971
U. S. Boston Capital’s regulatory assets grew Infinity× from $0 (May 2024) to $360M (February 2026); employees were 5 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Feb 2026February 2026 | $360M | 97 | 5 | 1 |
| Feb 2025February 2025 | $336M | 72 | 5 | 1 |
| May 2024May 2024 | $0 | 0 | 5 | 1 |
Besides its headquarters, U. S. Boston Capital has 0 offices, with 1 listed address in 1 state.
Massachusetts · 1 listed address
- 55 Old Bedford Road, Suite 202, LincolnHQ
Contact and registration details
- Legal name
- U. S. Boston Capital Corporation
- Headquarters
- 55 Old Bedford Road, Suite 202, Lincoln, MA 01773
- Website
- usboston.com
- Phone
- 781-259-1144
- SEC file
- 801-130044
- Founded
- 1969
- Structure
- Massachusetts corporation
- Fiscal year end
- September
U. S. Boston Capital has custody of client assets.
At year end, U. S. Boston Capital’s separately managed accounts were mostly in funds (86%).
What the accounts hold
- Stocks5%
- Funds86%
- Cash9%
How many clients does U. S. Boston Capital have?
U. S. Boston Capital has 97 clients and manages $360 million for them, as of February 2026. They include 62 individual clients, 30 high-net-worth individuals, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 February 2026
What services does U. S. Boston Capital offer?
U. S. Boston Capital provides financial planning, portfolio management for individuals and small businesses, pension consulting, estate planning, insurance, 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
How much does U. S. Boston Capital charge?
U. S. Boston Capital charges 0.10%–0.75% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: U.S. BOSTON CAPITAL CORPORATION ADV BROCHURE FEBRUARY 2026, filed 3 February 2026
How many financial advisors does U. S. Boston Capital have?
U. S. Boston Capital has 0 investment adviser representatives registered with state securities authorities, out of 5 employees, and 1 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 0 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 U. S. Boston Capital invest in?
At the end of its last fiscal year, U. S. Boston Capital’s separately managed accounts held 86% registered funds (mutual funds, ETFs, BDCs), 9% cash and equivalents and 5% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns U. S. Boston Capital?
U. S. Boston Capital is owned through a holding company by Willard Umphrey. Its direct owner is U.S. Boston Corporation (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 3 February 2026
How does U. S. Boston Capital get paid?
U. S. Boston Capital 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
How do I contact U. S. Boston Capital?
U. S. Boston Capital’s main office is at 55 Old Bedford Road, Suite 202, Lincoln, MA 01773. Its phone number is 781-259-1144. Its website is usboston.com.