{"url":"https://nivawealth.com/firms/u-s-boston-capital-5251","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/5251","regulatoryAum":359787261,"crd":"5251","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6623538","suffix":null,"lastName":"McClellan","firstName":"John","middleName":"Drew"},{"crd":"6235159","suffix":null,"lastName":"Monisov","firstName":"Alina","middleName":null},{"crd":"4431243","suffix":null,"lastName":"POWERS","firstName":"CALEB","middleName":"CHRISTIAN"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-05-02","regulatoryAum":0,"clients":0,"employees":5,"offices":1},{"filedOn":"2025-02-03","regulatoryAum":335509263,"clients":72,"employees":5,"offices":1},{"filedOn":"2026-02-03","regulatoryAum":359787261,"clients":97,"employees":5,"offices":1}],"secFileNumber":"801-130044","legalName":"U. S. Boston Capital Corporation","displayName":"U. S. Boston Capital","slug":"u-s-boston-capital-5251","website":"https://usboston.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"1969","organization":"Massachusetts corporation","fiscalYearEnd":"September","headquarters":{"street":"55 Old Bedford Road, Suite 202","city":"Lincoln","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01773"},"tradeNames":[],"registration":{"secApproved":"26 April 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3771906.8586956523,"staff":{"employees":5,"advisory":1,"brokerDealerReps":2,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":359787261,"discretionary":0,"discretionaryAccounts":0,"nonDiscretionary":359787261,"nonDiscretionaryAccounts":271,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":2},"clientTypes":[{"label":"Individuals (other than HNW)","clients":62,"regulatoryAum":67967983},{"label":"High-net-worth individuals","clients":30,"regulatoryAum":279047448},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":12771830}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":0.75,"from":0},{"to":2000000,"pct":0.6,"from":1000000},{"to":5000000,"pct":0.55,"from":2000000},{"to":10000000,"pct":0.45,"from":5000000},{"to":25000000,"pct":0.4,"from":10000000},{"to":50000000,"pct":0.25,"from":25000000},{"to":null,"pct":0.1,"from":50000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1005928","versionId":1005928,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-02-03","documentName":"U.S. BOSTON CAPITAL CORPORATION ADV BROCHURE FEBRUARY 2026","fee_rate_low":0.1,"fee_rate_high":0.75,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1005928","versionId":1005928,"submittedOn":"2026-02-03","documentName":"U.S. BOSTON CAPITAL CORPORATION ADV BROCHURE FEBRUARY 2026"},{"role":"other","program":"Portfolio Monitoring Services","summary":"Portfolio monitoring is charged at 0.05% of assets.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1005928","versionId":1005928,"submittedOn":"2026-02-03","documentName":"U.S. BOSTON CAPITAL CORPORATION ADV BROCHURE FEBRUARY 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:02:31.056198+00:00","documents":[{"name":"U.S. BOSTON CAPITAL CORPORATION ADV BROCHURE FEBRUARY 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1005928","versionId":1005928,"submittedOn":"2026-02-03"}]},"custodians":[],"custodyNote":"U. S. Boston Capital has custody of client assets.","otherCustodians":[],"leadership":[{"name":"Deborah Kessinger","title":"President","crd":"1801530"},{"name":"Leon Okurowski","title":"Vice President, Director and Clerk","crd":"351799"},{"name":"Deborah Kessinger","title":"Chief Compliance Officer, Broker Dealer","crd":"1801530"},{"name":"Alina Monisov","title":"Chief Compliance Officer, Investment Advisory","crd":"6235159"},{"name":"Diane Hunt","title":"Principal Operations Officer","crd":"1314708"},{"name":"Diane Hunt","title":"Treasurer","crd":"1314708"},{"name":"Willard Umphrey","title":"Director","crd":"451556"}],"ownership":[{"label":"U.S. Boston Corporation","detail":"Shareholder in the 75% or more ownership band and a control person, since December 1971."},{"label":"Willard Umphrey","detail":"Indirect owner: a director of U.S. Boston Corporation in the 75% or more band and a control person, since January 1971.","parent":"U.S. Boston Corporation"},{"label":"Leon Okurowski","detail":"Indirect owner: vice president, director and clerk of U.S. Boston Corporation and a control person, since January 1971.","parent":"U.S. Boston Corporation"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Massachusetts","offices":1,"addresses":[{"street":"55 Old Bedford Road, Suite 202","city":"Lincoln","headquarters":true}]}],"brochureServices":["estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"781-259-1144","stateRegisteredReps":0,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Other"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":86},{"label":"Cash and cash equivalents","percent":9}],"privateFunds":0},"sources":{"adv1FilingDate":"3 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/5251/PDF/5251.pdf","brochureDate":"3 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1005928","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does U. S. Boston Capital have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does U. S. Boston Capital offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does U. S. Boston Capital charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does U. S. Boston Capital have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does U. S. Boston Capital invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns U. S. Boston Capital?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does U. S. Boston Capital get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact U. S. Boston Capital?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 3 February 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."}