# 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.

- CRD: 124048
- Filed as: MERRIMACK VALLEY FINANCIAL ADVISORS, INC.
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Chelmsford, MA
- Filing period: October 2026
- Form ADV filing dated: February 10, 2025
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/124048
- AdvisorCensus page: https://advisorcensus.com/firm/merrimack-valley-financial-advisors-inc-chelmsford-ma-124048

## Quick answers

**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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Commissions

### Regulatory assets under management (Item 5.F)
- Total: $45,875,015
- Discretionary: $45,875,015
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 235 | $28,581,090 |
| High net worth individuals | 11 | $12,943,050 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $4,350,875 |

### 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

### Firm details
- Registered since: 1998 (28 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MA, NH
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Merrimack Valley Financial Advisors, Inc. (CRD 124048): Form ADV filing data as of October 2026.