9AT: FINANCIAL SOLUTIONS ASSOCIATES

FINANCIAL SOLUTIONS ASSOCIATES

FINANCIAL SOLUTIONS ASSOCIATES

GOVERMAN, BARNET

GOVERMAN FINANCIAL SOLUTIONS, LLC

Related Companies

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Adviser Profile

As of Date	04/30/2026
Registration	SEC, Approved, 07/26/2021
Other registrations (5)	New Hampshire, Terminated, 08/23/2021 Florida, Terminated, 08/04/2021 Massachusetts, Terminated, 08/04/2021 New York, Terminated, 08/04/2021 Texas, Terminated, 08/04/2021
ADV Location	DEDHAM, MA, United States
Contact Info	781 xxxxxxx
Websites

AUM^*	171,891,000 30%
of that, discretionary	171,891,000 30%
Number of Employees	2
of those in investment advisory functions	2
Private Fund GAV^*	0
Avg Account Size	301,563 23%
% High Net Worth	29.63% 6%
SMA’s	No
Private Funds	0

Adviser Type

- Large advisory firm

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals

Advisory Activities

- Financial planning services
- Portfolio management for individuals and/or small businesses

Compensation Arrangments

- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

Reported AUM

172M 147M 123M 98M 74M 49M 25M

2021 2022 2023 2024 2025 2026

Discretionary

Non-discretionary

Private Funds

No private funds

Employees

Brochure Summary

Overview

Firm Description Financial Solutions Associates, an SEC registered investment advisor, was founded in 1993. We provide personalized confidential financial planning and investment advisory services to individuals, trusts and estates, and small businesses. We offer our services to pension and profit-sharing plan participants and charitable organizations. Advice is provided through consultation with the client and typically includes, but is not limited to, determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, social security claiming strategies and estate planning. The initial meeting, which may be by telephone or teleconference, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment advisory services may be beneficial to the client. Principal Owner Brett Goverman is the sole owner of Financial Solutions Associates, which is organized as a limited liability company. Types of Advisory Services Financial Solutions Associates offers two types of advisory services: Financial Planning and Investment Advisory Financial planning services address specific concerns of the client. They may include, but are not limited to, an

analysis of the client’s financial position, risk management, investment planning, tax planning, retirement planning, estate planning or other mutually agreed upon financial planning issues. They are based on the client’s current financial goals, objectives, and other information provided. Assumptions are determined for projected rates of return, future tax schedules and inflation rates. Financial planning services do not include legal advice, legal document preparation or tax return preparation. These professionals (e.g. lawyers, accountants etc.) are engaged directly by the client on an as-needed basis. Investment advisory services include the design and management of client portfolios based on their individual goals, timeframes, risk tolerance and other related issues. Assets are invested primarily in no-load mutual funds and exchange-traded funds with stocks, bonds and other publicly offered securities used less frequently. On a discretionary basis the advisor determines which investments each client owns and when they are to be purchased or sold, without limitation. Clients are permitted to impose restrictions on investing in certain securities or types of securities. As of December 31, 2023, Financial Solutions Associates provided management of client investment portfolios totaling $ 132,489,000 on a discretionary basis.

FINANCIAL SOLUTIONS ASSOCIATES

FINANCIAL SOLUTIONS ASSOCIATES

GOVERMAN, BARNET

GOVERMAN FINANCIAL SOLUTIONS, LLC

Related Companies

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

Employees

Brochure Summary

Overview

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FINANCIAL SOLUTIONS ASSOCIATES FINANCIAL SOLUTIONS ASSOCIATES GOVERMAN, BARNET GOVERMAN FINANCIAL SOLUTIONS, LLC

Related Companies

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

Employees

Brochure Summary

Overview

FINANCIAL SOLUTIONS ASSOCIATES

FINANCIAL SOLUTIONS ASSOCIATES

GOVERMAN, BARNET

GOVERMAN FINANCIAL SOLUTIONS, LLC