# Sandy Cove Advisors, LLC

> Sandy Cove Advisors, LLC is an SEC-registered investment advisory firm in Hingham, MA, registered since 2016, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 23, 2026.

- CRD: 152482
- Filed as: SANDY COVE ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Hingham, MA
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/152482
- AdvisorCensus page: https://advisorcensus.com/firm/sandy-cove-advisors-llc-hingham-ma-152482

## Quick answers

**How is Sandy Cove Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Sandy Cove Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Sandy Cove Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated March 23, 2026 states: Flat fee: $100 to $200,000 (financial planning and consulting services); Hourly rate: $100 to $500 an hour (financial planning and consulting services); Flat fee: $20,000 to $250,000 a year (in-depth personalized concierge Family Office and Wealth…). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Sandy Cove Advisors, LLC located?**
Sandy Cove Advisors, LLC's principal office is in Hingham, MA, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Sandy Cove Advisors, LLC registered with the SEC or a state?**
Sandy Cove Advisors, LLC is an SEC-registered investment advisory firm, registered since 2016. Status as filed: Approved. CRD 152482.

**How much does Sandy Cove Advisors, LLC manage?**
Sandy Cove Advisors, LLC reports $684,905,062 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (96% discretionary).

**How have Sandy Cove Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Sandy Cove Advisors, LLC: Regulatory assets under management: $317,545,232 in the October 2021 data and $684,905,062 in the October 2026 data, up 116%. Total employees: 8 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Sandy Cove Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (205); individuals (other than high net worth individuals) (70); pension and profit sharing plans (but not the plan participants or government pension plans) (2).

**Which custodians does Sandy Cove Advisors, LLC use?**
Sandy Cove Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Sandy Cove Advisors, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/152482

**What changed in Sandy Cove Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $581,668,473 to $684,905,062 (+18%). Employees performing advisory functions went from 7 to 4.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 23, 2026)

- Flat fee: $100 to $200,000 (financial planning and consulting services)

> We charge either a fixed fee for financial planning and consulting services ranging between $100 and $200,000 which may be on a per annum basis or an hourly fee ranging between $100 and $500.

- Hourly rate: $100 to $500 an hour (financial planning and consulting services)

> We charge either a fixed fee for financial planning and consulting services ranging between $100 and $200,000 which may be on a per annum basis or an hourly fee ranging between $100 and $500.

- Flat fee: $20,000 to $250,000 a year (in-depth personalized concierge Family Office and Wealth…)

> We offer in-depth personalized concierge Family Office and Wealth Planning services to our high net worth clients on a fixed fee basis. Our fixed fees are negotiable and range between $20,000 and $250,000 annually depending on the scope and complexity of the services rendered.

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage 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: $684,905,062
- Discretionary: $654,770,497
- Non-discretionary: $30,134,565

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 70 | $32,835,448 |
| High net worth individuals | 205 | $650,346,043 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 2 | $1,143,112 |
| Charitable organizations | 1 | $580,459 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 2016 (10 years)
- Employees: 8 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CT, FL, MA, NH, NY, TX, VT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Palm Beach Gardens, FL

### Websites listed on Form ADV (Item 1.I)
- sandycoveadvisors.com
- Facebook @SANDY-COVE-ADVISORS-LLC-1481767135376301
- LinkedIn @sandy-cove-advisors-llc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $317,545,232 | 8 | March 24, 2021 |
| October 2022 | $387,595,689 | 8 | May 11, 2022 |
| October 2023 | $362,707,334 | 9 | September 26, 2023 |
| October 2024 | $486,390,746 | 9 | March 1, 2024 |
| October 2025 | $581,668,473 | 8 | February 27, 2025 |
| October 2026 | $684,905,062 | 8 | March 23, 2026 |

Regulatory assets under management: $317,545,232 in the October 2021 data and $684,905,062 in the October 2026 data, up 116%.
Total employees: 8 in October 2021 and 8 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $581,668,473 to $684,905,062 (+18%).
- Employees performing advisory functions went from 7 to 4.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Sandy Cove Advisors, LLC (CRD 152482): Form ADV filing data as of October 2026.