# Cutter Financial Group LLC

> Cutter Financial Group LLC is an SEC-registered investment advisory firm in Falmouth, MA, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 5, 2026.

- CRD: 290016
- Filed as: CUTTER FINANCIAL GROUP LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Falmouth, MA
- Filing period: October 2026
- Form ADV filing dated: March 5, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/290016
- AdvisorCensus page: https://advisorcensus.com/firm/cutter-financial-group-llc-falmouth-ma-290016

## Quick answers

**How is Cutter Financial Group LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Cutter Financial Group LLC reports these compensation arrangements: a percentage of assets under its management.

**Where is Cutter Financial Group LLC located?**
Cutter Financial Group LLC's principal office is in Falmouth, MA, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Cutter Financial Group LLC registered with the SEC or a state?**
Cutter Financial Group LLC is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 290016.

**How much does Cutter Financial Group LLC manage?**
Cutter Financial Group LLC reports $216,940,062 in regulatory assets under management in its Form ADV filing dated March 5, 2026 (100% discretionary).

**How have Cutter Financial Group LLC's assets and staff changed since 2021?**
In the Form ADV data for Cutter Financial Group LLC: Regulatory assets under management: $190,088,197 in the October 2021 data and $216,940,062 in the October 2026 data, up 14%. Total employees: 6 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Cutter Financial Group LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (478); high net worth individuals (42); charitable organizations (1).

**Which custodians does Cutter Financial Group LLC use?**
Cutter Financial Group LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Cutter Financial Group LLC report any disciplinary disclosures?**
Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.H(2) (pending civil proceeding). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/290016

**Does Cutter Financial Group LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 5, 2026 says: "Cutter Financial Group generally does not impose a minimum size for establishing a relationship."

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated March 5, 2026)

- Account minimum: None

> Cutter Financial Group generally does not impose a minimum size for establishing a relationship.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $216,940,062
- Discretionary: $216,940,062
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 478 | $136,897,598 |
| High net worth individuals | 42 | $79,996,638 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 1 | $45,826 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2017 (8 years)
- Employees: 6 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CT, FL, MA, NH, TX
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.H(2): Is the firm or an advisory affiliate now the subject of a civil proceeding that could result in a yes answer to any part of 11.H(1)?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/290016

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Duxbury, MA
- Mansfield, MA

### Websites listed on Form ADV (Item 1.I)
- cutterfinancialgroup.com
- cutterfinancialgroup.com/blog
- Facebook @CUTTERFINANCIALGROUPLLC
- LinkedIn @JEFFREYCUTTER
- LinkedIn @cutter-financial-group-llc
- LinkedIn @ethan-kapsambelis-24181b186
- LinkedIn @fletchen
- LinkedIn @jennifer-farrington-451098a1
- LinkedIn @jill-cutter-rph-4074541a
- YouTube @CUTTERFINANCIALGROUP

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $190,088,197 | 6 | August 30, 2021 |
| October 2022 | $215,049,331 | 6 | August 18, 2022 |
| October 2023 | $192,552,937 | 6 | September 10, 2023 |
| October 2024 | $207,310,462 | 6 | April 16, 2024 |
| October 2025 | $214,736,257 | 6 | May 20, 2025 |
| October 2026 | $216,940,062 | 6 | March 5, 2026 |

Regulatory assets under management: $190,088,197 in the October 2021 data and $216,940,062 in the October 2026 data, up 14%.
Total employees: 6 in October 2021 and 6 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cutter Financial Group LLC (CRD 290016): Form ADV filing data as of October 2026.