Fee-only adviser · Waltham, MA
Pension & Wealth Management Advisors
Pension & Wealth Management Advisors is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in Waltham, Massachusetts. On its latest Form ADV, filed May 6, 2026, it reports $530M in regulatory assets under management, 493 individual clients and 9 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | SEC-registered |
|---|---|
| Firm CRD number | 309546 · SEC file 801-119016 |
| Office | 800 South Street Suite 160 Waltham, MA 02453 |
| Phone | (781) 810-0800 |
| Website | pensionwealth.com |
| Regulatory assets under management | $530M ($512M discretionary) |
| Individual clients | 388 non-high-net-worth, 105 high-net-worth |
| Financial planning clients | 251-500 |
| How it charges | Percentage of assets |
| Services | Financial planning, Portfolio management |
| Employees | 13 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | May 6, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It charges only as a percentage of the assets it manages. Ask about the fee schedule and any account minimum, which Form ADV Part 1 does not record.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Waltham
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- JSK Capital Advisors, LLC $11M
See all 10 fee-only advisers in Waltham →
Nearby
- Lexington 4 firms
- Belmont 2 firms
- West Newton 1 firm
- Weston 2 firms
- Auburndale 1 firm
- Arlington 3 firms
- Newton 11 firms
- Newton Lower Falls 1 firm
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