Patrick Byrne, founded Aspetuck Financial in 2005.  His main goal in establishing the firm was, and still is today, to help retirees and those looking to retire, manage their wealth.  In doing so, he wanted to remain independent from large institutional influences that can sometimes undermine the best interests of the individual investor.  For that reason, the firm was begun as an Independent Registered Investment Advisor (RIA) and remains  independent for the same reason today.

 

We are not stockbrokers or mutual fund representatives.  Our job is to manage your money, and we have a fiduciary duty to act in the best interest of our clients at all times.  Aspetuck Financial Management is a conservative investment management firm specializing in managing retirement assets.  Aspetuck is a research-driven firm.  We spend most of our time following the markets and researching the factors that impact the global markets and, in turn, our portfolios.

 

Each client portfolio is actively and individually managed based on the client’s risk tolerance, income needs, time horizon and the overall investment goals of that portfolio.  We charge a fee for our services and are not compensated by commission for what we buy for or sell to our clients.  Instead, as a fee-based investment manager, we are incentivized to protect and to grow our clients’ accounts over time.

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Custodial and brokerage services provider is Charles Schwab & Co. Inc. (Schwab).  Aspetuck Financial Management is the adviser to your account. Our clients have the ability to check their balances and monitor their accounts on Schwab's platform at all times.

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These materials have been independently produced by Aspetuck. Aspetuck is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. Aspetuck provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.

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Aspetuck has selected Charles Schwab & Co., Inc. as primary custodian for our clients’ accounts. Having Schwab act as custodian for client assets provides us access to a wide range of services that help us serve our clients. Schwab Advisor Services, which includes the custody, trading and support services of Schwab, is the leading provider of those services to independent investment advisors. Since 1987, Schwab has provided independent advisors with the platform, products, programs and resources they need to serve their clients and grow their businesses efficiently and effectively.

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By using Schwab as primary custodian, Aspetuck has access to a wide range of products and services that help us serve our clients, including:

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• Full range of investment products and trading services

• Technology and service support

• Wide array of investment account types including retirement accounts, charitable giving, and education accounts

• Full range of investment options such as stocks, mutual funds, bonds, exchange traded funds, CDs and other investments.

• Technology and service support so investors can access all their accounts online and view positions, balances and account histories in one place.