{
  "crd_number": 155186,
  "slug": "st-germain-investment-management-springfield-ma-155186",
  "primary_business_name": "ST. GERMAIN INVESTMENT MANAGEMENT",
  "legal_name": "ST. GERMAIN INVESTMENT MANAGEMENT, INC.",
  "dbas": [
    "GAGE-WILEY",
    "NEW ENGLAND CAPITAL",
    "OCTOBER MOUNTAIN FINANCIAL ADVISORS",
    "ST. GERMAIN WEALTH MANAGEMENT GROUP"
  ],
  "city": "Springfield",
  "state": "MA",
  "country": "United States",
  "cbsa_code": "44140",
  "metro": {
    "cbsa_code": "44140",
    "common_name": "Springfield",
    "msa_name": "Springfield, MA",
    "path": "/advisors/ma/springfield"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "1976-12-30",
  "years_registered": 49,
  "period": "2026-10-01",
  "filing_date": "2026-03-27",
  "carried_forward": false,
  "raum_total": 3791815997.0,
  "raum_discretionary": 3777163848.0,
  "raum_non_discretionary": 14652149.0,
  "raum_band": "1b_5b",
  "raum_band_label": "$1 billion to $5 billion",
  "total_employees": 42,
  "advisory_employees": 30,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": null
    },
    "charitable": {
      "raum": 142082648.0,
      "count": 113
    },
    "individuals": {
      "raum": 1257431667.0,
      "count": 4552
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 3176123.0,
      "count": 3
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 14805127.0,
      "count": 108
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 2270435349.0,
      "count": 1909
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 103885083.0,
      "count": 37
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "periodicals_newsletters",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 1,
  "states_registered": [
    "AL",
    "AZ",
    "CA",
    "CO",
    "CT",
    "DC",
    "DE",
    "FL",
    "GA",
    "HI",
    "IA",
    "IL",
    "KY",
    "LA",
    "MA",
    "MD",
    "ME",
    "MI",
    "MN",
    "MO",
    "MS",
    "MT",
    "NC",
    "NE",
    "NH",
    "NJ",
    "NM",
    "NV",
    "NY",
    "OH",
    "OR",
    "PA",
    "RI",
    "SC",
    "SD",
    "TN",
    "TX",
    "UT",
    "VA",
    "VT",
    "WA",
    "WI"
  ],
  "websites": [
    "https://facebook.com/PG/ST-GERMAIN-MANAGEMENT-415884075141160/POSTS",
    "https://gagewiley.com",
    "https://gagewiley.com/asset-management",
    "https://linkedin.com/COMPANY/ST.-GERMAIN-INVESTMENT-MANAGEMENT",
    "https://linkedin.com/company/gage-wiley-&-co--inc-/about",
    "https://octobermountainfa.com",
    "https://stgermaininvestments.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/155186",
  "disclosure_items": [
    {
      "item": "11.D(2)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?"
    }
  ],
  "city_as_filed": "SPRINGFIELD",
  "url": "https://advisorcensus.com/firm/st-germain-investment-management-springfield-ma-155186",
  "display_name": "ST. Germain Investment Management",
  "summary": "ST. Germain Investment Management is an SEC-registered investment advisory firm in Springfield, MA, registered since 1976, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 27, 2026.",
  "citation": "AdvisorCensus. ST. Germain Investment Management (CRD 155186): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Publication of periodicals or newsletters"
  ],
  "quick_answers": [
    {
      "q": "How is ST. Germain Investment Management compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), ST. Germain Investment Management reports these compensation arrangements: a percentage of assets under its management."
    },
    {
      "q": "Where is ST. Germain Investment Management located?",
      "a": "ST. Germain Investment Management's principal office is in Springfield, MA, according to its Form ADV; the April 2026 filing also lists 5 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is ST. Germain Investment Management registered with the SEC or a state?",
      "a": "ST. Germain Investment Management is an SEC-registered investment advisory firm, registered since 1976. Status as filed: Approved. CRD 155186."
    },
    {
      "q": "How much does ST. Germain Investment Management manage?",
      "a": "ST. Germain Investment Management reports $3,791,815,997 in regulatory assets under management in its Form ADV filing dated March 27, 2026 (100% discretionary)."
    },
    {
      "q": "How have ST. Germain Investment Management's assets and staff changed since 2021?",
      "a": "In the Form ADV data for ST. Germain Investment Management: Regulatory assets under management: $1,975,986,708 in the October 2021 data and $3,791,815,997 in the October 2026 data, up 92%. Total employees: 32 in October 2021 and 42 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does ST. Germain Investment Management serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (4,552); high net worth individuals (1,909); charitable organizations (113)."
    },
    {
      "q": "Which custodians does ST. Germain Investment Management use?",
      "a": "ST. Germain Investment Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Capital Client Group, Inc. and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does ST. Germain Investment Management report any disciplinary disclosures?",
      "a": "Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation). 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/155186"
    },
    {
      "q": "What changed in ST. Germain Investment Management's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Employees performing advisory functions went from 26 to 30. Regulatory assets under management went from $3,099,684,697 to $3,791,815,997 (+22%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 1975986708.0,
      "total_employees": 32,
      "filing_date": "2021-06-28"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 2606024491.0,
      "total_employees": 41,
      "filing_date": "2022-06-22"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 2284379946.0,
      "total_employees": 40,
      "filing_date": "2023-08-16"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 2699038645.0,
      "total_employees": 40,
      "filing_date": "2024-04-01"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 3099684697.0,
      "total_employees": 42,
      "filing_date": "2025-04-30"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 3791815997.0,
      "total_employees": 42,
      "filing_date": "2026-03-27"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 26 to 30.",
        "Regulatory assets under management went from $3,099,684,697 to $3,791,815,997 (+22%)."
      ]
    }
  ],
  "fees_from_brochure": null,
  "custodians": [
    {
      "name": "Capital Client Group, Inc.",
      "name_as_filed": "CAPITAL CLIENT GROUP, INC.",
      "affiliated": false
    },
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/st-germain-investment-management-springfield-ma-155186.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 4552,
      "fewer_than_5": false,
      "raum": 1257431667.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 1909,
      "fewer_than_5": false,
      "raum": 2270435349.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 108,
      "fewer_than_5": false,
      "raum": 14805127.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 113,
      "fewer_than_5": false,
      "raum": 142082648.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 3,
      "fewer_than_5": false,
      "raum": 3176123.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 37,
      "fewer_than_5": false,
      "raum": 103885083.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": null,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports 1 disclosure item on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/155186",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}