AdvisorCensus / Financial advisors / Massachusetts / Boston / Merrimack Valley Financial Advisors, Inc.

Merrimack Valley Financial Advisors, Inc.

Chelmsford, MAState-registered investment adviserCRD 124048

Filed as MERRIMACK VALLEY FINANCIAL ADVISORS, INC.

Merrimack Valley Financial Advisors, Inc. is a state-registered investment advisory firm in Chelmsford, MA, registered since 1998, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated February 10, 2025.

28 years

registered since 1998

$45,875,015

assets under management

4 arrangements

Percentage of assets, Hourly and more

None

disclosure items (Item 11)

Quick answers

From the filing

How is Merrimack Valley Financial Advisors, Inc. compensated?

On its Form ADV (Item 5.E, October 2026), Merrimack Valley Financial Advisors, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); commissions.

Where is Merrimack Valley Financial Advisors, Inc. located?

Merrimack Valley Financial Advisors, Inc.'s principal office is in Chelmsford, MA, according to its Form ADV.

Is Merrimack Valley Financial Advisors, Inc. registered with the SEC or a state?

Merrimack Valley Financial Advisors, Inc. is a state-registered investment advisory firm, registered since 1998. Status as filed: APPROVED. CRD 124048.

How much does Merrimack Valley Financial Advisors, Inc. manage?

Merrimack Valley Financial Advisors, Inc. reports $45,875,015 in regulatory assets under management in its Form ADV filing dated February 10, 2025 (100% discretionary).

What types of clients does Merrimack Valley Financial Advisors, Inc. serve?

By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (235); high net worth individuals (11); pension and profit sharing plans (but not the plan participants or government pension plans) (1).

Does Merrimack Valley Financial Advisors, Inc. report any disciplinary disclosures?

Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/124048

From the Form ADV filing

Every figure below is as the firm filed it with regulators, as of October 2026.

How the firm is compensated

Item 5.E

A percentage of assets under your management
Hourly charges
Fixed fees (other than subscription fees)
Commissions

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

Regulatory assets under management

Item 5.F

$45,875,015

$45,875,015 as of October 2026, filing dated February 10, 2025.

Discretionary: $45,875,015.Non-discretionary: $0.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

Who the firm serves

Item 5.D

Individuals (other than high net worth individuals)

Clients 235 Assets $28,581,090 (62%)

High net worth individuals

Clients 11 Assets $12,943,050 (28%)

Pension and profit sharing plans (but not the plan participants or government pension plans)

Clients 1 Assets $4,350,875 (9%)

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

Advisory services

Item 5.G

Financial planning services
Portfolio management for individuals and/or small businesses
Portfolio management for businesses (other than small businesses) or institutional clients
Pension consulting services

Registration and firm details

Items 1, 2, 5

Registration: State-registered investment adviser. Status as filed: APPROVED.
Registered since: 1998 (28 years)
Employees: Total: 3. Performing investment advisory functions: 3.
Wrap fee program participation: No.
States registered or notice-filed: 2 states or jurisdictions

MANH

State-registered investment advisers are examined by their state securities regulator. SEC, state, and exempt registration

Disclosures

Item 11

None Reports no disclosure items on Form ADV Item 11. View on IAPD.

Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures

Changes in the filing

Last 12 months

No changes to these filed facts in the last 12 months of filing data.

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.

Websites listed on Form ADV

Item 1.I

Not reported.

Source: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."

Cite this page

AdvisorCensus. Merrimack Valley Financial Advisors, Inc. (CRD 124048): Form ADV filing data as of October 2026.
https://advisorcensus.com/firm/merrimack-valley-financial-advisors-inc-chelmsford-ma-124048