Business Description
The Darrow Company is a fee-only wealth management firm offering a comprehensive solution to assist you in addressing the complexities of managing and distributing your assets. Our goal is to help you to maintain your lifestyle so you may pursue what you want to do with the knowledge that our professional team is well versed in the complexities of private wealth management consulting. Delivering that wealth management solution and providing that protection requires support with a process that includes: • Estate Planning Expertise and Estate Management • Tax Planning Expertise including Estate Tax Planning and Inheritance Tax Planning • Trust Management including Dynasty Trusts • Asset Protection and complete Asset Management Services • Building the Right Financial Model based on your asset level, risk tolerance, and spending plans • Pro-active Investment Planning and Management Our business model is based on a fee-only approach, and this fee is made up of two components. The first part is a project-based fee for preparing your Financial Model. The second part is an ongoing asset management fee based on the assets you entrust to our management to invest.
General Information Gender:    Male CRD#:    105679 SEC File#:    801-34539 States Licensed in:    MA, CA Years of Experience in Financial Services:    30 Number of Years with Current Firm:    21 I work with the following types of clients:    Individual Investors
Education Academic Background   BS, Business - Rider University
Services Investment Types:    International Investments, Exchange Traded Funds (ETFs), Bonds, Alternative Investments, Mutual Funds
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant Financial Organization Memberships:    Financial Planning Association (FPA), Paladin Registry, National Association of Personal Financial Advisors (NAPFA), National Association of Stock Plan Professionals
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Advisor's Number of Clients:    98 Assets Managed by Advisor:    $112,000,000
Compliance Registered Investment Advisor:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-only financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $1,000,000 Compensation Methods:    Based on Assets, Flat Fee Fee % Based on Assets:    1% Additional Details on Charges:    Charges are on a sliding scale depending on the level of assets under management. Equity portfolios: 1 per cent of first $2 million. Fixed Income portfolios: 0.50 per cent of first $2 million. Full details are available on request.
Prepared By:	Thomas McFarland, CFP®

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	Do you have a customer satisfaction or refund policy?
No

Q.	What are your qualifications? What is your education background?
BS in Business Rider University. Certified Financial Planner TM designation. Members of the team also hold CDFA and CFA designations.

Q.	What is your approach to financial planning?
Developing a Financial Model means developing a comprehensive plan with the goal of helping you support your lifestyle today and in the future. It is designed with the objective of putting the plans you have for you and your family in place.

Q.	What services do you offer?
Comprehensive financial planning and investment management, including planning for retirement, estate and tax planning, analyzing stock options and charitable giving.

Q.	How many clients do you currently manage?
We currently manage 98 client groups.

Q.	Will you be the only person working with me?
No. The investment professionals of The Darrow Company operate as a team to address your concerns.

Q.	How are you compensated? How will I pay for your services?
We are a fee-only wealth management firm. We charge a flat fee for financial planning services. For portfolio management, the fee is a percentage of assets under management.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No. Client executes a Discretionary Investment Management Agreement to appoint The Darrow Company as their investment advisor to effect investment transactions.

Q.	Do you offer any guaranteed results?
We do not guarantee the performance of your account, any specific level of performance, or the success of our overall management of the account.

Q.	How much risk should I be willing to take?
After consultation, we create a diversified portfolio for you with an expected rate of return over the long-term that reflects your Range of Risk.

Q.	Have you ever been charged with any breaches?
No

Q.	What services do you provide? What are your specialties?
Comprehensive financial planning and investment management, including planning for retirement, estate and tax planning, analyzing stock options and charitable giving.

Q.	What is your experience? How many clients do you currently manage?
The Darrow Company has been in business for 21 years. We manage 98 client groups.

Q.	What financial institution(s) do you represent?
National Advisors Trust acts as custodian for client assets, with Fidelity Investments as sub-custodian.

Q.	How do you charge for your services?
We charge a flat fee for financial planning services. For portfolio management, the fee is a percentage of assets under management.

Q.	Do you provide a free initial consultation?
Yes

Q.	Why should I choose you as my financial advisor?
For the value of our team approach: We offer the diversity of team insights in formulating ideas and strategies. Independent Viewpoint – no products to sell Fee-Only approach – you pay for achievement of results Innovative perspective on global events and how it impacts your wallets today and in your future.